1. How much is the down payment for a 1.8 million house loan

The ratios of various credit institutions are different

2. How much is the down payment for a 1.8 million house in Beijing in 2016

If you are going to provide a loan to China Merchants Bank for reference, please open the following link: /CmbWebPuPer.aspx?chnl=dkjsq, and try to use the current loan benchmark interest rate for trial calculation.

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4. How much is the down payment for a 1.8 million yuan house in Beijing?

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

Today’s high housing prices have discouraged many people who want to buy a house. Nowadays, many people have the need to buy a house, but they cannot afford to pay for it in full, so people choose to buy a house with a personal housing loan. Loan policies vary in different regions, so 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 are planning to buy a house in Beijing, a down payment of 1.8 million yuan is required. How much? How much is the monthly payment? Let me take you through the relevant information!

If you choose to buy your first property, the down payment ratio of the commercial loan must not be less than 35% of the total price of the house, that is, 180000035= 1,170,000 yuan, the loan period is 30 years; for provident fund loans, the loan ratio can be up to 80, the loan amount is 1.2 million yuan, and the loan period is 30 years.

If it is a second house, it must not be lower than the appraised value of the house. 60, that is to say, to buy a house with a total price of 1,800,000 yuan, the down payment is 180,000,060 = 1,080,000 yuan; for a provident fund loan for a second house, the loan amount is 800,000 yuan.

If you want to buy a non-ordinary house, the first payment is 180000060 = 1080000 yuan. The down payment ratio of a commercial loan for a house must not be less than 40% of the total price of the house, that is, 180,000,40 = 720,000 yuan, and the loan term is 30 years;

If you purchase two non-ordinary residences, the down payment ratio must not be less than 80 of the appraised price of the house, that is, 180000080 = 1440000 yuan.

Regarding the down payment and monthly payment for buying a house in Beijing, if you plan to buy a house worth 1.8 million yuan in Beijing, you must make sufficient financial preparations for the down payment. It is also a large expense, and the monthly payment must be calculated carefully. Will it affect your quality of life in the next few years or even decades? The above is the content of the Beijing home purchase loan that I have provided for you. I hope it can help. to you!