House 1 10 flat, unit price 4000, total price 440,000. To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%. The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.

4000- (4000X 10%)= 3600 (regional guide price)

3600X 1 10 square meter =396000 yuan.

396000 X 70% = 27720 yuan (this is your loan amount).

440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.

The down payment is 654.38+0.6 million.

Monthly payment is: loan amount x loan term x interest rate = monthly payment. 277200X 20 X 7.05 = 39085200 months for 400 yuan.

Extended data

1, down payment ratio

The requirement of 20 13 is that the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total 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.

2065438+On March 25th, 2006, Shanghai issued "Several Opinions on Further Improving Shanghai's Housing Market System and Security System to Promote the Stable and Healthy Development of the Real Estate Market", which made it clear that the down payment ratio should not be less than 50% for households with/kloc-0 apartments who apply for commercial personal housing loans to buy ordinary self-occupied houses again to improve their living conditions; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.

Baidu encyclopedia-down payment