Buying a house is a lifetime thing. It is best to learn relevant knowledge before buying a house. Now you have to pay a down payment for a new house before you can buy a house with a bank mortgage loan. What is the process of paying down payment for buying a house? What is the minimum down payment for buying a house? Let's take a look with Bian Xiao.
First, the process of buying a house and paying the down payment
1. When the buyer and the seller jointly sign the house sales contract, the buyer can pay the down payment of the house, and then go to the bank to handle the mortgage loan formalities. The specific operation process is as follows:
(1) The buyer and the seller jointly sign a house sales contract to confirm the buyers' and sellers' intention to buy and sell the house.
(2) After the buyer pays the down payment, he will get the payment voucher issued by the developer.
(3) Then, the buyer and the seller together carry all kinds of certificates and materials needed for the transfer, and go through the transfer procedures and mortgage loan procedures at relevant state institutions and banks.
(4) After the buyer and seller complete the transfer procedures, they can go through the handover procedures.
2. When signing a contract, you need to bring the following documents and materials:
(1) Purchase deposit receipt.
(2) The original resident ID card of the party concerned, and the married person shall carry the original resident ID card and marriage certificate of both husband and wife.
(3) The original household registration book or household registration certificate of the party concerned.
(4) The original income certificate of the party concerned.
(5) private seal.
Second, what is the minimum down payment for buying a house?
1, new house
(1) When buying a new house, if a commercial loan is used, the maximum loan amount is 80% of the transaction price of the loan, and at least 20% of the house down payment is required. For example, the house price is 6.5438+0 million yuan. After tax deduction, the down payment is 200,000 yuan.
(2) If a house is bought with a provident fund loan, the maximum loan amount is 600,000 yuan. As long as the personal running water and income of the house buyer are sufficient, the house down payment amount to be paid = house transaction amount-600,000 yuan.
2. second-hand houses
1, second-hand housing loans need to use the evaluation price, the maximum loan amount is 80% of the evaluation price, and the evaluation price is generally only about 80% to 90% of the transaction price of the house, so the loan amount of second-hand housing will be less than that of new houses, and the down payment of houses will be higher, mostly around 40%.
2. For example, the transaction price of the second-hand house is 6,543,800 yuan, and the appraisal price of the second-hand house is 90% of the transaction price of the house, so the loan amount is 720,000 yuan, and the down payment of the house is 280,000 yuan. If the provident fund loan is adopted, the maximum loan amount is 600,000 yuan. As long as the personal flow and income of the purchaser are sufficient, the down payment amount to be paid for the purchase of the house = the transaction amount of the house-600,000 yuan.
Before buying a house, you must be clear about the process of buying a house, and you must strictly follow the process. The above is the introduction of the down payment process and the minimum amount of down payment. Friends who need to buy a house can learn more about it.
How to pay the mortgage down payment? You need to prepare these things!
Many people are planning to buy a house now. Because the pressure of one-time full payment is too great, many people will choose to borrow money to buy a house, as long as they pay a certain down payment and repay it in installments every month. So how do you pay the down payment for the mortgage? What are the precautions? You need to prepare these things.
1, consulting
When choosing a loan to buy a house, whether it is a commercial bank or a provident fund loan, developers, provident fund centers and banks need to be consulted. At present, the basic requirement of mortgage is that the age must be 18-60, and the borrower's actual age and loan application period cannot exceed 70 years old. The mortgage qualification of each city is slightly different, so you must consult clearly before applying. The application materials generally include payroll, individual income tax bill, income certificate issued by the unit, bank deposit certificate, etc. These are all prepared in advance.
2, mortgage down payment
Under normal circumstances, the mortgage payment is 30%. Calculate the loan term and loan amount according to your salary certificate and your age. The longer the time, the higher the corresponding interest, so in general, the 30-year loan is100,000 to more than 200,000. If you have extra money, you can naturally choose to increase the down payment ratio appropriately. After all, the loan interest rate is higher than the deposit interest. In addition, if you have the conditions, you can prepare more down payment, because sometimes the bank will ask for a higher down payment when it finds that you are short of water.
3. Down payment problem
The mortgage is not approved at 100%, so there is a certain chance that it will not be approved. Therefore, we must consider the issue of returning the down payment, which is generally stipulated in the contract. If the purchase contract stipulates that the loan cannot be processed, the down payment can be refunded. Generally, it is a problem of banks or developers, and the down payment can be refunded. For personal problems, you need to pay a certain penalty.
Is it a down payment to buy a house after the mortgage comes down?
Buying a house is not waiting for the mortgage to come down before paying the down payment. When a real estate developer chooses a house, both parties need to pay a down payment after signing a house purchase contract (the down payment paid is generally as low as about 30% of the total house price).
After paying the down payment, you can only provide a receipt for the down payment when you go to the bank to apply for a mortgage. You can't apply for mortgage. Moreover, banks will also review the source of down payment funds when approving mortgages, and confirm that buyers will use their own funds to pay down payment before approving mortgages.
And the whole process of buying a house with a loan is:
1. Choose a good house, sign a purchase contract with the real estate developer and pay the down payment;
2. Prepare personal ID card, local household registration book or temporary residence permit, house purchase contract, down payment receipt, proof of economic income, etc. And apply for a loan from the bank.
3. The bank will review and approve the loan amount.
4. After receiving the notice, sign the loan contract at the bank outlet and go through the mortgage and other related procedures at the Housing Authority.
5. Banks issue loan funds.
Can I get a refund if I regret paying the down payment to the auction house?
If you regret after paying the down payment, the customer can apply for checking out. Everyone needs to pay attention to:
1. If the real estate developer does not violate any rules, then the customer who chooses to return a house after signing the purchase contract will bear certain liability for breach of contract. At that time, the down payment may not be fully refunded, and real estate developers may deduct a part as liquidated damages.
2. If the decision to return a house is made because the real estate developer has incomplete documents and is not qualified to sell the house, then the customer will have the opportunity to get back all the down payment if he chooses to return a house because the real estate developer breaches the contract.
Therefore, if you can't apply for a mortgage temporarily for personal reasons, you don't have to choose to check out directly. You can solve the existing problems first, and then apply for a mortgage again.
Who will pay the down payment for buying a house?
Calculate how much it will cost to decorate your home.
Whether it is a new house or a second-hand house, most families will choose to buy a house with a loan. However, many friends are buying a house for the first time and don't know much about the relevant procedures. For example, who should I give the down payment for buying a house? What problems should I pay attention to when paying the down payment? Let's study together.
First, who should pay the down payment for buying a house?
1, new house
Whether buying an auction house or an existing house, the down payment is paid to the real estate developer after the two parties sign the pre-sale (or sale) contract of commercial housing. After the bank loan is approved, the bank will transfer the remaining house payment to the developer, and the buyers can repay the loan on time every month.
2. second-hand houses
The second-hand house down payment shall be given to the seller after both parties sign the purchase agreement. The advance payment shall be collected by the contractor himself and a receipt shall be issued. It can also be remitted to the collection account agreed in the contract through the bank, with a remittance receipt attached. After the late loan, the bank also directly transferred the money to the seller's account.
Two. Matters needing attention in down payment
1. Go to the Land Bureau of the real estate in advance to consult the real estate situation and see if the developer has it. Some real estate developers just go through the formalities and have no plans to start work.
2. Confirm whether the real estate developer has complete five certificates. In particular, construction land planning permit and commercial housing sales (pre-sale) permit are particularly important. Without these two terms, the regularity of this property cannot be guaranteed. Once a dispute occurs, it is often difficult for buyers to prove their responsibility.
3. Before paying the down payment, be sure to pay attention to whether the delivery time and property fee in the contract are implemented in detail in the contract. If the delivery is delayed or overdue, are there any clauses such as liability for breach of contract? If there are inconsistent terms in the contract, ask questions in time.
Article conclusion: Now that house prices are rising, buying a house is not an easy task for many families. Therefore, when buying a house and paying the down payment, we must read the contract carefully, pay attention to ensuring the safety of the down payment funds and avoid damaging our own rights and interests.
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