First, can I get a loan for the down payment on buying a house?
The down payment for buying a house is not allowed. The down payment is the payment during buying a house. Buying a house can't be fully loaned. You have to pay part in advance and borrow the rest from the bank. Now the requirement is to pay 30% of the house price. Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual pays a part of the house payment in advance, which proves that you have the repayment ability. According to the national loan policy, buyers need to prepare a 30% down payment to apply for a loan to buy a house. If the down payment is not enough, you can borrow it from relatives and friends or pay by credit card.
Second, how to calculate the down payment for buying a house?
1 10 flat house, 4000/ m2, with a total price of 440,000. Then, the down payment is 30% and the loan is 70%, and the transaction is made according to the loan amount of the relevant area 10%.
4000-(4000 10%)=3600 (regional guide price)
3600X 1 10 square meter =396000 yuan.
Loan: 39,600,070% = 27,720 yuan (loan amount)
Calculation of down payment for the first suite: down payment = total house payment-customer loan amount.
Down payment: 440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.
Monthly payment formula: loan amount, loan term and interest rate = monthly payment.
277200207.05=39085200
Related reading recommendation: what are the conditions for buying a house loan?
Third, how many floors should I choose to buy a house?
1, 5-7 floors
High-rise building, 5-7 floors with wide view, suitable for families with old people and children, affordable, suitable for the elderly with mobility difficulties. Close to greening, filtering noise, better air.
2/F 8- 10
High-rise, 8- 10 floor is suitable for living, with moderate price, good light and scenery. If there is anything wrong with the elevator, it is not tiring to climb the stairs, and there is no need to worry about humidity. Mosquitoes are not a big problem.
3. Architecture 10- 12
High-rise building with 10- 12 floors is very suitable for living, with sufficient light and good scenery.
4.13-23rd floor
For a 32-story building, 13-23 is the floor in many people's eyes, with good lighting, long sunshine time, little noise impact and broad vision.
The above is about the down payment for buying a house. Can I get a loan? How to calculate the down payment for buying a house, I hope I can help you!