There are many kinds of loans to buy a house, including provident fund loans and commercial loans. Cities are slightly different. The first set, provident fund loans 20%, commercial loans 30%; Most of the two rooms are 40%. There is a difference between non-ordinary houses.
Before making a loan, you need to know how much money is in your provident fund account and how much money your unit gives you every month. Only by knowing your own situation can you get a loan. Provident fund is a kind of welfare for employees, and the loan interest is much lower than that of commercial loans. Commercial loans can generally be combined with provident fund to make a portfolio loan. If you want to borrow a lot, but your provident fund balance is not much, you can combine loans at this time.
After determining your own provident fund, choose a house. Determine the total price and down payment of the house, and the total price MINUS the down payment is the loan money. You can't get a down payment, so you must have some cash on hand. General down payment is 30%. If you have more than 30% down payment, you can also give cash. The reason for this is to reduce the amount of money you borrow, because loans need interest, so in terms of the total amount, the more cash you give, the less loans you get. Of course, it depends on your own situation.
Generally speaking, the down payment ratio of buying a house is generally about 30% of the total price, which needs to be determined through consultation with the seller.
Legal basis: Article 34 of People's Republic of China (PRC) Urban Real Estate Management Law. The state practices a real estate price appraisal system. Real estate price evaluation should follow the principles of justice, fairness and openness, based on the benchmark land price, the calibrated land price and the replacement price of various houses with reference to the local market price, and be carried out in accordance with the technical standards and evaluation procedures stipulated by the state.