If the down payment ratio is stipulated by the state, according to the state regulations, as long as it is the first suite, the down payment cannot be lower than 30% of the total house price; If you buy a second suite (family as a unit), the down payment ratio of the loan shall not be less than 50%; 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%).

What are the rules for the down payment ratio of house purchase?

1. According to national 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 with 1 10,000 yuan, then your down payment should be at least 1 10,000 yuan * 30% = 300,000 yuan.

2. Although there are regulations, as long as you take 30% of the total house price, there is still 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.

3. If you use commercial loans, you need to check 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.

4. The standards in each region are different. The general situation is this: for the first suite, the down payment for commercial loans is 30%, and the provident fund loan is 20% (within 90 square meters). 30% beyond 90 square meters); In the case of the second suite, the minimum down payment for the purchase of real estate is 50%; For three suites, banks that need loans may not issue loans according to the house price; Otherwise the minimum down payment is 30%.

Matters needing attention in buying a house by loan

1. Don't use the provident fund before applying for a housing loan.

If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your personal provident fund account is zero, and your provident fund loan amount is also zero, which means that you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year.

According to the relevant provisions of provident fund loans, the part of early repayment should be carried out one year after repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan.

Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.