In the face of high housing prices, most property buyers are unable to pay off all the house payment in one lump sum, so they will choose to apply for a loan from the bank to buy a house. Buyers who apply for loans can buy a house by paying a certain down payment, thus realizing their dream of living in their own house in advance. How much is the down payment for a 2.4 million house? Let's take a look with Qijia. Com experts.
1.24 million house, how much is the down payment?
The down payment of 2.4 million houses is generally between 60-65438,044,000 yuan, depending on the number of houses purchased and the form of loans applied for. For example, for the first suite, the down payment ratio of the provident fund is 25%, that is, 600,000, and the down payment ratio of commercial loans is 30%, that is, 720,000. But for the second suite, the down payment ratio of provident fund and commercial loans is much higher.
What is the loan amount and monthly payment for the house of 22,400 yuan?
1, loan amount
A 2.4 million house can borrow about 720,000-1.68 million, of which the maximum amount of provident fund loan is 800,000. In addition, it is calculated according to the down payment ratio. For example, the down payment ratio of the first home commercial loan is above 30%, and the maximum loan is 70%, that is, 1.68 million yuan, while the down payment ratio of the second home commercial loan is above 60%, the highest.
Step 2 make monthly payments
The monthly mortgage payment of 2.4 million yuan is not fixed, which will be affected by the mortgage amount, repayment method, bank interest rate and loan term. 960,000 commercial loans, with interest rate of 4.9% and 30 years of equal principal and interest repayment, the monthly payment is 5,094.97 yuan. If the principal is repaid equally, the first monthly payment is 6,586.66 yuan, and then it will decrease month by month. If the loan is only 20 years.
Editor's summary: The above is an introduction about the down payment of 2.4 million houses. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com for consultation.
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