Insufficient down payment for buying a house can be solved in the following ways.
1. Those who have an old house can sell it and buy a new one.
Many property buyers own their own houses, and they buy houses to improve their living conditions. In this case, they can completely sell their original house. But for those who didn't have a house in the first place, skip this one.
2. Family support
If you are lucky, your parents have a large pension and maybe savings, then you can consider asking your parents for alimony.
3. Staffing personnel can apply for wage loans.
The object of "wage loan" is mainly institutions and personnel with relatively stable income. If you meet the loan criteria, you may wish to try to apply. Although this kind of loan is mainly used for personal consumption, it can also be used to buy a house, and the loan period is generally shorter than 3 years.
4. Reasonable arrangement according to the fund situation
If you really feel that the house price is beyond the budget, you will feel more pressure after handing over the house. You can consider a smaller house or a place with a slightly biased position. There is no need to live under pressure for a suite.
5. Liquidate the securities in hand.
If you buy funds, stocks, etc. You might as well cash them out at this time, solve the down payment problem and reinvest when you have spare money.
So can the down payment for buying a house also be in the form of a loan? You can't take out a loan for the down payment on the house. The down payment is the down payment when buying a house. Buying a house can't be fully loaned. You have to pay part in advance and borrow the rest from the bank. Now the requirement is to pay 30% of the 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.
(The above answers were published on 20 16- 12-22. Please refer to the actual purchase policy. )
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