2. Make a down payment of 30% (or above), and apply for a housing provident fund loan (normally pay the provident fund) or a commercial mortgage loan for the rest. There are two main repayment methods after the loan: one is the equal principal and interest method, and the other is the average capital method.

3. Agree with the developer to pay by installments.

I. One-time payment

It is the most common payment method in the past, and it is generally used for the sales of low-priced small units at present.

Benefits: Generally, a one-time payment can get a discount of about 5% from the seller. If it is an existing house, you can quickly obtain the property rights of the house. If it is an auction house, this payment method has the lowest price.

Disadvantages: One-time payment needs to raise a lot of money, and the interest on this money is lost, which puts great pressure on buyers with limited economic ability. If it is a one-time payment auction, the developer may not pay the house price on time, resulting in interest or even loss of all the house price, and the risk of buying a house is high.

Secondly, installment payment.

It is also divided into interest-free installment and low-interest installment, which is an attractive payment method at present.

Zheng Fang: In order to alleviate the economic pressure of one-time payment, we can also use the house payment to urge developers to fulfill their commitments in the contract.

Disadvantages: With the extension of the payment term, the interest rate will be higher, and the house payment amount will be higher than the one-time payment.

Third, mortgage payment.

That is, the mortgage loan for house purchase is a payment method in which the property right of the house purchased by the buyer is used as collateral, and the bank pays the house price to the developer first, and then the buyer pays the principal and interest to the bank in monthly installments. Because it can quickly turn potential market demand into effective demand, it has become the most effective means to promote the real estate market.

Pro: We can raise the necessary funds to realize our desire to buy a house and spend tomorrow's money to realize today's dream.

Disadvantages: At present, the procedures are complicated and there are many restrictions.

Fourth, provident fund loans.

In addition to using the savings over the years, residents generally apply for personal housing provident fund loans for the part with insufficient funds, and then apply for personal housing mortgage loans from banks to solve the problem. At present, this kind of "combined loan" which combines personal housing provident fund loan with bank personal housing mortgage loan has become the most common way to buy a house. Because this is more realistic and reasonable, after all, the amount of personal housing provident fund that each family can borrow will not be much. If all loans are made to banks, the interest burden will be too heavy.

Personal housing provident fund loan is a kind of policy personal housing loan, which has certain policy subsidy nature. As long as an individual unit has established a housing provident fund and paid the provident fund on time, it has the right to apply for a loan. Its biggest advantage is the low interest rate, which is 65438 for 0 to 5 years+the annualized interest rate is only 4. 14%. The annual interest rate for 6 to 30 years is only 4.59%, which is not only lower than the current personal housing mortgage interest rate of banks (generally compared with banks). In other words, there is a spread between the interest rate of provident fund loans and the interest rate of bank deposits. Take five-year savings deposits and provident fund loans as an example to compare:100000 yuan is deposited for five years, and after five years, customers can get interest of 14400 yuan; If you apply for a provident fund loan of100000 yuan, after five years, the customer needs to pay interest of 10880 yuan, and the spread between deposit and loan is 3520 yuan. Moreover, the larger the loan amount and the longer the term, the more considerable the spread.