It is best to use Shang Dynasty. You can usually borrow 70%. If it is a cadre or a soldier, it will be a little more. If the appraised price is lower than the actual house price, then you can only borrow 70% of the appraised price, and you can receive your actual down payment after the difference.

For example, the house is actually 165438+ 1 billion, and the appraisal price is only 65438+ 1 billion. You can only borrow 700,000 yuan from the appraised price of 65438+ 1 100 million, but the actual price is 1 10, which means you have to borrow 700,000 yuan, so you have to pay back 400,000 yuan to be 1 10.

Formula = actual transaction price of the house-70% of the appraised price = down payment.

So you must know that the evaluation price of that house can be used to calculate the down payment.

The housing appraisal price in Yangzhou varies from region to region. You should talk to the local appraisal company, which is usually assigned to you by the bank. According to the above formula, you are out.

In addition, the amount of down payment has nothing to do with the loan period ... the loan period has something to do with interest, and the longer the loan period, the more interest. ...