In fact, whether it is a foreigner or a native of Changzhou, the down payment standard for buying a house in Changzhou follows the general direction of the country. The first suite requires a down payment of 30% and the second suite requires a down payment of 60%. According to the current national policy, the third suite generally does not give loans.

How much is the general down payment for buying a house?

1. When buying a house, the buyer adopts the loan method, and it is necessary to determine the total price and down payment of the house. The total price minus the down payment is the loan money. The down payment is not allowed, so the buyer must have some cash on hand, usually 30% down payment.

2. If you have more than 30% down payment, you can also give cash. The reason for this is to reduce the amount of money you borrow, because loans need interest, so in terms of the total amount, the more cash you give, the less loans you get. Of course, it depends on your own situation.

3, the down payment for buying a house is generally: mortgage interest can be a provident fund loan. For first-time buyers, the down payment is above 30%. The down payment for the second home purchase is over 40%. According to local policy, the down payment is 20%. The monthly payment depends on how much money you borrow for how many years.

What is the down payment?

1, how much is the appropriate down payment for buying a house seems to be a question that has been asked a lot. The common answer is: it varies from person to person, and there is a reason for this answer. Under normal circumstances, the People's Bank of China will stipulate the down payment ratio of mortgage loans, and there are differences between cities with restricted purchases and cities without restricted purchases, and between banks.

2. For example, if you buy the first suite in the north, Guangzhou and Shenzhen, the down payment requirement can be 30%, while most second-tier cities like Tianjin stipulate that the down payment for the first time to buy a house can be 20%, and banks have different requirements for "buying a house for the first time".

Some require people who have no housing loan records before and have no housing under their names, and some require people who have no housing under their names or have housing loans settled.

3. For people who buy two suites, the situation is more complicated, and the standards for determining two suites vary greatly from place to place. For example, Beijing stipulates that there is a suite under the name, and the loan has not been paid off, and then buying a house is considered as a second suite. If it is paid off, it will be implemented according to the down payment standard of the first suite.

In Shanghai, it's different. As long as there is a house under the name, whether there is a housing loan record or not, buying a house again is implemented according to the down payment standard of the second suite.