The housing price in Shenzhen is very high, and the purchase policy is strict. Generally, there are four down payment ratios for buying a house in Shenzhen:

1. If you buy a new house with an area of less than 144 square meters, you can also enjoy a down payment of 20%, and in other cases it is 30%;

2. Take the first suite as an example, regardless of the size of the second-hand house, the minimum down payment is 30%;

3. For the second suite, you need to pay a down payment of 50% to buy a new house or a second-hand house;

4, three suites and above, the bank basically does not apply for loans, must be purchased in full.

Down payment for house purchase in Shenzhen

1. The down payment shall not be less than 30% of the total house price. For example, if you want to buy a house of 1 10,000, then the down payment should be at least 1 10,000 * 30% = 300,000. These are the algorithms for the first suite. If you buy a second suite (family as a unit), the down payment ratio of the loan shall not be less than 50%. For example, for a house with a total house price of 6,543,800 yuan, the down payment should be at least 6,543,800 yuan+0,000 yuan * 50% = 500,000 yuan.

When buying a new house, the down payment is calculated according to the proportion and loan amount. If you buy a second-hand house, you need to negotiate the down payment with the owner, as long as it is not lower than the down payment ratio (≥30%).

3. There are also real estate developers. In order to attract customers to buy a house, there is also a down payment discount. For example, the state stipulates that at least 30% of the shares can't be moved, and the developer will give you some money in advance, so set the housing first.

4. For example, for a house with a total price of 6.5438+0 million, the down payment needs at least 300,000. Some real estate developers pay 20% in advance, and they pay the remaining 654.38+00% first, so that buyers can make up for it within one year. This is also a strategy to delay the down payment pressure of buyers.