1. How much is the down payment for buying a house in Mengzi? If you have a Changsha hukou or have a social security or tax payment certificate for more than one year, you can pay a down payment of 30% 1. When buying a new house, you can use a commercial loan. The highest transaction price of the loan can be 80%, and the minimum down payment needs 20%. 1 10,000 yuan to buy a house, with a down payment of 200,000 yuan, excluding tax. If the provident fund loan is adopted, the maximum loan can be 600,000 yuan (provided that the running water and income are sufficient), then the down payment = (house transaction price-6 million yuan) 10,000 yuan. 2. Second-hand houses buy second-hand houses. The biggest difference between a second-hand house and a new house is that the second-hand house loan generally adopts the evaluation price, that is, the highest is 80% of the evaluation price, while the evaluation price is generally only 80%-90% of the transaction price, so the loan amount of the second-hand house is lower than that of the new house, and the down payment is higher, generally around 40%. For example, suppose that the appraisal price is 90% of the transaction price, and a house with a price of 6.5438+0.0000 yuan can borrow 720,000 yuan, and a down payment of 280,000 yuan is required. If the provident fund loan is adopted, the maximum loan can be 600,000 yuan (provided that there is enough running water and income), then the down payment is (the transaction price of buying a house is-600,000 yuan). Second, what if the down payment for buying a house is not enough? 1, bank loan. If you are a civil servant, you have policy care and a civil servant loan. In this case, you may be able to borrow money, but the disadvantage is that after the house is handed over, you have to pay back the mortgage and down payment, and your life pressure is relatively high. 2. Family support. If you are lucky, your parents have a large pension and maybe savings, then you can consider asking your parents for alimony. But remember, in fact, parents are not easy, so we must be filial to them. 3. Friends and relatives. The family and friends mentioned here include relatives including seven aunts and eight aunts, and brothers who sleep in your upper bunk or lower bunk at school. Since you really want to buy a house, don't patronize the face. Ask one by one to see who can support it. Raising money is a little. But if you have money, you must remember to pay it back first. It's not easy to boast a little money these days, so you should pay attention to the good of others. 4. Open source and reduce expenditure. We should not only reduce unnecessary expenses, but also find ways to see if we can make more money. After all, money is earned, not saved. If there are many ways to make money, the pressure of life may be alleviated, such as funds, stocks, or other financial management methods. If you are sure, you might as well have a try. 5. Reasonable arrangement. If you really feel that the house price is beyond the budget, you will feel more pressure after handing over the house. You can consider a smaller house or a place with a slightly biased position. There is no need to live under pressure for a suite. Therefore, if you want to buy a house in Mengzi, if you have a Changsha hukou or tax payment certificate, you can achieve a down payment of 30%. Of course, if the down payment is not enough to buy a house, we can think of other ways to buy a house, such as loans, which are the first choice for buying a house, but this way also requires us to maintain our reputation.