If you plan to buy a house in Donggang, how much is the down payment for a house worth 1.8 million yuan? How much is the monthly payment?

Today’s high housing prices have put a stop to many urgent needs. Nowadays, many people have the need to buy a house, but cannot afford to buy a house in full, so people choose to buy a house with a personal mortgage loan. Since loan policies are different in different cities, it is necessary to understand the local real estate policies, because only in this way can we reasonably arrange the funds on hand and spend them correctly. If you plan to buy a house in Donggang, how much is the down payment for a house worth 1.8 million yuan? How much is the monthly payment? Let me take you through the relevant information below!

If you buy your first house, the down payment ratio of the commercial loan shall not be less than 30% of the total price of the house, that is, 1,800,000 * 30 = 1,260,000 yuan, and the loan period is 30 years; for a provident fund loan, the loan ratio can reach 80%. The loan amount is 600,000 yuan and the loan term is 30 years.

If it is a second house, it must not be less than 50% of the appraised value of the house. That is to say, to buy a house with a total house price of 1,800,000 yuan, the down payment requires 1,800,000 * 50 = 900,000 yuan; for a provident fund loan for a second house, The loan amount is 600,000.

As for the down payment and monthly payment for buying a house in Donggang, if you plan to buy a house worth 1.8 million yuan in Donggang, you must make sufficient financial preparations. The down payment is also a large expense, and every month You must also calculate whether it will affect your quality of life in the next few years or even decades. The above is the content of Donggang house purchase loan that I provide you, I hope it can help you!