The down payment can't be paid. Many buyers own their own houses. Buying a house is to improve your living conditions. In this case, you can completely sell the original house. The down payment of the house is secured by collateral. Borrowers can use their own fixed assets as collateral to get loans, and then use the loans to pay the down payment of the house, but you can't borrow too many loans, so as not to cause too much debt and the house can't apply for mortgage repayment.

How to calculate the down payment of the house?

1, the down payment ratio requires that the down payment for the first suite is 30% of the total house price, and that for the second suite is 60% of the total house price. Also, considering the risk of loan repayment, many banks will require buyers to provide a part of the house down payment, and the house down payment means that you have to pay a part of the house payment in advance to prove your repayment ability. Let's take Shanghai as an example. On March 25, 2006, Shanghai issued "Several Opinions on Further Improving the Housing Market System and Security System in Shanghai to Promote the Stable and Healthy Development of the Real Estate Market", which made it clear that the down payment ratio of households with/kloc-0 apartments should not be less than 50% in order to improve their living conditions and apply for commercial personal housing loans to buy ordinary self-occupied houses again. For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.

2. Calculation method The down payment amount is determined according to the national policy at that time. For example: 30,000 yuan/flat house, 100 flat house is 3 million. Then, 20% down payment is 600,000, 30% down payment is 900,000, and 40% down payment is 654.38+0.2 million.

What should I do if I want to check out after paying the down payment?

1, it is basically impossible to check out. If you really want to pay the bill, you can only find fault. The general contract stipulates that the developer can be exempted from liability after consultation for reasons such as delayed delivery and major security risks in the house. If your city is restricted from buying, you have no conditions to buy it, so you can muddle through.

2. The reason why your loan can't be approved is because the developer's temporary procedures are incomplete (five certificates are incomplete) and the bank suspends accepting it. Due to your own reasons, such as income proof documents not meeting the lending standards, developers hand over houses in batches, which leads to slow acceptance by banks. In addition to the above reasons, there is basically no way. The worst way is to lose some money and find the sales director for public relations.