Today's high housing prices have made many people who just need it daunting. Now many people have the need to choose a house, but they are unable to choose a house in full, so people choose a house with a housing loan. Because the loan policies in different regions are different, it is necessary to understand the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you plan to choose a house in a new building, what is the down payment for the house of 6.5438+0.45 million yuan? How much is the monthly payment? Let me show you the relevant information below!

If the first home is purchased, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is,1450000 * 30% =1015000 yuan, and the loan period is 30 years; Provident fund loans, the loan ratio can reach 80%, the loan amount is 600,000 yuan, and the loan period is 30 years.

If it is a second suite, it shall not be less than 50% of the appraised house price, that is to say, for a house with a total house price of 1.45 million yuan, the down payment shall be 1.45 million yuan * 50% = 725,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.

Regarding the down payment and monthly payment of new houses, if you plan to buy a house with a price of 6.5438+0.45 million yuan in new houses, you should prepare sufficient funds. The down payment is not a small expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of the new house loan I provided for you. I hope it will help you!