30% down payment, that is, pay 30% of the total house price before handling the house purchase loan, and apply for a loan for 70% of the remaining house price.

Down payment refers to the loan to buy a house, and there is no down payment for buying a house in full.

When buying a house for the first time, the down payment is not less than 30% (provident fund loan, less than 90 square meters, down payment is not less than 20%), that is, for a house with a transaction price of 6,543,800+0,000, the down payment is at least 300,000, and there is no limit on overpayment.

Since June 1 day, 2006, the down payment ratio of individual housing mortgage loan shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters.

Extended data

The requirement of 20 13 is that the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price. Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual pays a part of the house payment in advance, which proves that you have the repayment ability.

2065438+On March 25th, 2006, Shanghai issued "Several Opinions on Further Improving Shanghai's Housing Market System and Security System to Promote the Stable and Healthy Development of the Real Estate Market", which made it clear that the down payment ratio should not be less than 50% for households with/kloc-0 apartments who apply for commercial personal housing loans to buy ordinary self-occupied houses again to improve their living conditions; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.