Now house prices are rising rapidly, which makes many friends who want to buy a house very upset. Buying a house requires a lot of money, and it is difficult to pay it all at once. Nowadays, many people choose to pay the down payment first and then pay the mortgage every month. So, how to calculate the down payment of the house? Let's take a look with Bian Xiao.

First, how to calculate the down payment of the house?

1, the average developer will give the unit price of the house and then multiply it by the actual area, and the result is the total price of the house. For example, the unit price of the house is 4550 yuan per square meter and the area is 1 18.36 square meters, so the total amount of the house is 538538 yuan. When calculating the down payment, first remove the fraction, that is, 8538 yuan. The down payment of 530,000 times 20% is 10.6 million. Excluding the odd part, the down payment is 1 1 ten thousand yuan, plus the 8538 yuan removed before, the down payment is 1 18538 yuan.

2. According to the national regulations, the down payment for a family to buy the first house shall not be less than 30% of the total house price. In other words, if you want to buy a house with a price of1100,000, your down payment should not be less than 300,000 yuan. If the provident fund loan is adopted, the couple can borrow up to 450,000 yuan, and the remaining amount needs a down payment, that is, the down payment needs 550,000 yuan.

3. If you use commercial loans, you need to decide how much to borrow according to the family income and the borrower's repayment ability. After deducting the loan amount from the total house price, the remaining amount also needs to be paid down. When buying a second suite, the down payment ratio should not be less than 50%.

In order to attract customers to buy houses, some developers have introduced down payment concessions. For example, the developer will pay part of the funds for you, and then let you decide on the house first. Buyers need to make up the rest of the money within one year, which is also a good strategy to ease the down payment pressure of buyers.

Editor's summary: how to calculate the down payment of the house? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

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