Today's high housing prices have discouraged many people who just need it. 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 master the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you plan to buy a house in Ganzhou, how much is the down payment for a house of 165438+ 10,000 yuan? How much is the monthly payment? 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,1100000 * 30% = 770000 yuan, and the longest loan period is 30 years; Provident fund loans, the maximum loan ratio can reach 80%, the maximum loan amount is 600,000 yuan, and the longest loan period is 30 years.

If it's a second suite, it's not less than 50% of the appraised house price, that is, if the total house price is 1 100000 yuan, the down payment needs1100000 * 50% = 550000 yuan; If the provident fund loans the second suite, the maximum loan amount is 600,000.

With regard to the down payment and monthly payment for buying a house in Ganzhou, if you plan to buy a house with a price of 165438+ 10,000 yuan in Ganzhou, you should make adequate financial preparations. The down payment is also a big expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of Ganzhou housing loan I provided for you. I hope it will help you!