House down payment = total house payment - customer loan amount.

Loan amount = contract price (market price) × 80 (the first loan amount can be up to 80), total loan amount × annual interest rate × number of years of the loan = total loan interest.

In fact, when choosing a down payment ratio, borrowers need to decide based on their actual situation. If the borrower is buying a house in first-tier cities such as Beijing, Shanghai, Guangzhou, and Shenzhen, where housing prices change significantly, it is best to pay about 30%. If you are buying a house in second-tier and below-tier cities, you can decide based on the mortgage interest rate. The higher the mortgage interest rate, the down payment ratio can be increased appropriately.

If the borrower's personal qualifications are not very good, you can also choose to appropriately increase the down payment ratio of the house, which will help you successfully apply for a personal housing loan from the bank.

Things you need to pay attention to when buying a house for the first time:

1. Many developers will offer several-for-one discounts, and how much deposit is required. Some developers will still refund the deposit, while others will give it for various reasons. Therefore, if you pay a deposit, you must be optimistic about the deposit contract, and Chinese characters are extensive and profound. Although the meanings of deposit and order are similar, there is a big difference. Therefore, you must distinguish the difference to avoid falling into the deposit trap!

2. How about directly searching for this property online! Or go to Sohu Focus to see if there are any posts about rights protection for this developer and property! Some even have videos exposed. Prevent buying a house from a shady developer!

3. Look at the five certificates: Developers must have these five certificates to be qualified to sell houses! The five certificates include: "Commercial Housing Sales (Pre-sale) License" ; "Construction Permit for Establishment Projects"; "Planning Permit for Establishment Projects"; "Planning Permit for Establishment Land Use"; "State-owned Land Use Certificate".

Before buying a house, you must pay attention to relevant matters and make preparations, so that the processing will be more convenient. Buying a house is a major event in life. Before buying a house, you can go to other real estate properties to learn about relevant matters and handle the sale of a house according to your own needs.