To buy a house, you need to pay a down payment first. You can only choose a loan if you pay the down payment. This is stipulated in every building. Then we'll see what you can do if you have no money to buy a house. Some people want to buy a house, but they can't afford the down payment and don't know how to solve it. Then we can learn some related knowledge first. Secondly, many people don't know how to pay the down payment.

What if I have no money to buy a house?

Buy slowly: If the down payment is not enough at present, it is recommended to buy slowly, so the pressure will be much less. Clever use of provident fund: If the buyers pay the provident fund normally in the unit, they must make good use of the provident fund. First, withdraw the provident fund and use the withdrawn provident fund as the down payment. However, after withdrawing the provident fund, it is impossible to apply for a provident fund loan. Second, the provident fund will not be withdrawn for the time being. We will pay the down payment with the provident fund first, and then withdraw the balance of the provident fund with the purchase contract and invoice. This method is not very common, and many regional policies do not support it. Buyers need to know in advance.

Borrow money from relatives and friends: for young people who just work now, buying a house is not a small expense. If parents have a certain amount of savings, they can properly consider looking for temporary support from their parents, or looking for other friends to help. In this way, repayment can be made anytime and anywhere in the future. Loan through insurance policy: If the property buyers buy a large amount of commercial insurance before buying a house, they can also get the down payment through mortgage loan. Moreover, many insurance companies can lend money on their policies now, but there will be certain risks and quota restrictions, so you should consult the insurance company. It should be noted that this undoubtedly adds a loan to yourself, so you must measure your repayment ability.

How to pay the down payment for buying a house

Generally, the down payment for buying a house is paid according to the down payment ratio of the mortgage. Usually, it is paid after the property buyer confirms the property and before signing the purchase contract with the developer. You can pay by cash, credit card or transfer.

Current down payment ratio requirements:

1, which specifies the first down payment algorithm for new houses. According to the regulations, as long as it is the first house, the down payment cannot be less than 30% of the total house price. For example, if you want to buy a house of 1 10,000, then your down payment should be at least 1 10,000 * 30% = 300,000.

2. The down payment can be calculated according to the loan amount. Although there are regulations, it can only take 30% of the total house price. There is a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow up to 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan. If you use a commercial loan, you need to examine your family income and repayment ability to see how much you can borrow. The total house price minus the loan amount is also the down payment.

3. Buying a second suite has a large down payment, all of which are the algorithms for the first suite. When buying a second suite (family as a unit), the down payment ratio of the loan shall not be less than 40%. For example, for a house with a total house price of 6,543.8+0,000 yuan, the down payment shall be at least 6,543.8+0,000 yuan * 40% = 400,000 yuan.

4. The down payment for buying a second-hand house depends on negotiation. When buying a new house, the down payment is calculated according to the proportion and loan amount. If you buy a second-hand house, you need to negotiate the down payment with the owner, as long as it is not lower than the down payment ratio (30%).

5, the developer's down payment discount, there are real estate developers, in order to attract customers to buy a house, but also introduced a down payment discount, for example, the specified proportion of at least 30% can not be moved, the developer will give you some money in advance, so that you can book the housing first. For example, a house with a total price of1100,000 yuan needs a down payment of at least 300,000 yuan. Some real estate developers pay 20% in advance, and the remaining 10% in advance, so that buyers can make up for it within one year. This is also a strategy to delay the down payment pressure of buyers.

Through the knowledge mentioned in this article, I learned what to do if I have no money to buy a house. If I have no money to buy a house, I can postpone buying a house until I have saved enough down payment. If you want to buy now, you can borrow some from your relatives and friends, and also introduce how to pay the down payment, which can be paid by cash, WeChat, Alipay and so on.