Today's high housing prices make many people just want to stop. Now many people have the need to buy a house, but they can't afford to buy a house in full, so people choose housing loans to buy a house. Because the loan policies in different provinces are different, it is necessary to understand the local real estate policies, because only in this way can the funds on hand be arranged reasonably and spent correctly. If you plan to buy a house in Pizhou, what is the down payment of 1.2 million yuan? How much is the mortgage? Let me show you the relevant information below!

For the purchase of the first home, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is,1200,000 * 30% = 840,000 yuan, and the loan period shall be 30 years; Provident fund loans, the loan ratio can reach 80%, the loan amount is 600,000 yuan, and the loan period is 30 years.

If it is a second suite, it shall not be less than 50% of the assessed house price, that is to say, to buy a house with a total house price of1200,000 yuan, the down payment needs1200,000 * 50% = 600,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.

Regarding the down payment and mortgage situation in Pizhou, if you plan to buy a house in Pizhou, it will cost 654.38+0.2 million yuan, so you should make sufficient financial preparations. The down payment is also a big expense, and the monthly mortgage should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of Pizhou housing loan I provided for you. I hope it will help you!