1. How much is the down payment for buying a house? The standards in each region are different, and the general situation is as follows: 1. For the first suite, the down payment is 30% for commercial loans and 20% for provident fund loans (within 90 square meters). 30% beyond 90 square meters); 2. For the second suite, the minimum down payment for the purchase of real estate is 50%; 3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price; 4. In other cases, the minimum down payment is 30%. Second, what are the factors that affect the down payment? 1, the down payment ratio of second-hand houses is the same as that of new houses, but the biggest difference is that the evaluation price is generally used for second-hand housing loans, which is generally only 80%-90% of the transaction price, so the loan amount of second-hand houses is lower than that of new houses, and the down payment is higher. 2. Loan amount and fixed number of years The loan amount and fixed number of years are also important factors affecting the down payment. For example, buyers can choose more down payment and less loan life or less down payment and longer repayment life. The specific content should be judged according to the financial planning, personal needs, repayment ability and other factors of the buyers' families. 3. Other factors When preparing for the down payment, buyers should also pay attention to their own reserves. They should not invest all their savings, but should reserve other expenses. The new house needs to prepare deed tax, house maintenance fund, decoration fee, monthly payment, property fee, etc. Second-hand houses need to prepare deed tax, value-added tax and surcharges, personal income tax, monthly payment, property fees, agency fees and evaluation fees. In addition, decoration expenses, furniture and household appliances also need to be included in the purchase funds, otherwise you can't stay if you buy a house without decoration. Third, how much 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. To sum up, for people who buy a house, the down payment is particularly heavy. You can only apply for a loan if you pay the down payment, but the down payment depends on what the local policy is. The price of the house is different, and the amount of down payment will be different, but the standard of down payment ratio in China is the same. It is good for you to consult more when buying a house.