At present, low down payment marketing prevails in Taiyuan property market. With the central bank's proposal that "the minimum down payment ratio of the first suite should be adjusted to not less than 25%", the minimum down payment of Taiyuan housing provident fund loans is 20%, and many properties conform to the market trend. Recently, many real estates began to implement the policy of minimum down payment of 20%-30%, including commercial loans and provident fund loans. Whether buying a new house or a second-hand house, buyers have the opportunity to achieve ultra-low down payment.

First, in terms of commercial loans, can all property buyers enjoy the new mortgage policy?

1, "no house and no loan" can enjoy a down payment of 25%. As long as there is no loan under the name of the buyer, whether it is "no house and no loan" or "no house and no loan", it is the first set and you can enjoy a down payment of 25%.

2. The first set has paid off the loan before buying a new house, and the down payment is still 30%. If the buyer has a good credit record, the loan will be released soon after the approval is successful, and there will be no delay in lending.

Two. In terms of provident fund loans, the minimum down payment ratio has always been 20%.

If the buyer has paid the provident fund normally for more than half a year, and the five certificates for buying a house are complete and there is no bad bank record, he can apply for a provident fund loan with a down payment of 20%.

Third, the impact of different down payment ratio on repayment amount and loan interest.

Taking a house with a total price of 6,543,800 yuan as an example, this paper discusses the influence of different down payment on repayment amount and loan interest. With the latest commercial loan interest rate of 4.9% (provident fund loan interest rate of 3.25%), the repayment gap of 20%, 25% and 30% down payment will be calculated by matching the principal and interest for 20 years:

1. If it is a commercial loan, the down payment is 25%. At the beginning, the down payment was reduced by 50 thousand, but the loan amount was increased by 50 thousand. The monthly payment increased from 458 1 yuan to 4908 yuan, with an increase of 327 yuan and an increase of 28533 yuan in interest.

2. If it is a housing provident fund loan, pay 20% down payment, the down payment will be reduced from 30% to 20%, the down payment will be reduced by 654.38 million yuan, the monthly payment will be increased from 3,970 yuan to 4,537 yuan, the monthly payment will be 567 yuan more, and the interest will be paid 36 127 yuan.

Suggestion on buying a house: For those who just need to buy a house, especially young families, they don't have much savings, but their monthly repayment ability may be very strong, which lowers the down payment threshold for buying a house and gives great support to these people. For families with savings and insufficient monthly payment capacity, professionals suggest that they can consider paying more down payment and less owing on the loan.

(The above answers were published on 20 15- 12-09. Please refer to the actual situation for the current purchase policy. )

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