Can you speak more clearly and write more clearly?

2. How many commercial loans can I borrow with a down payment of 1.2 million?

The answer is: the down payment of 6.5438+0.2 million yuan can be used for commercial loans up to 600,000 yuan. Because the real estate market in China has obvious regional characteristics, the interest rate and down payment ratio of individual housing loans are determined according to the principle of city-specific policies, and a three-level pricing mechanism is adopted for the whole country, cities and banks.

According to the regulations of the central bank, in cities that do not implement purchase restriction measures, the minimum down payment ratio of the first suite can reach 20%, usually 30%. Based on this, it can be calculated that the maximum loanable amount of down payment of 6.5438+0.2 million is 600,000 yuan.

Third, the total house price is 550,000 yuan, and the down payment is 6.5438+0.2 million yuan. How much can I borrow from a 57-year commercial loan?

If it is the first home loan, you can borrow 385,000 yuan.

You bought a new house? Or a second-hand building?

If it is a second-hand house, there are more banks that can choose independently;

If you buy a new house, it depends on the loan bank designated by the developer, because different banks have different age requirements, and at present many banks stipulate that lenders should not be over 55 years old.

Fourth, the down payment is 1.2 million, and the loan is 280,000. How much is the commercial loan for 25 years? So, 200,000 provident fund, which one is cost-effective in 30 years?

Provident fund loans are the most cost-effective because interest