Under normal circumstances, most people choose mortgage loans to buy a house, that is, pay part of the down payment and the rest through bank loans. However, for many property buyers with slightly limited economic conditions, they may not even be able to make a down payment. Therefore, this part of the property buyers have a very concerned issue. The following two are the answers given by netizens: nAnswer 1: No, you can apply for a mortgage loan or other kinds of loans first. Then take the loan money as a down payment and then go to the loan. But these are two contracts, not one. In other words, borrow money in other ways first and get the money. Then go to mortgage. N Answer 2: No, the down payment must be paid in cash before you can apply for a loan. As for the source of the down payment, it doesn't matter whether it is a loan, a loan or your own money, but the down payment can't be used for a house loan. You can use other tangible assets to borrow money, so that you can pay the down payment, and the rest can be repaid monthly in the form of loans. These are two contracts, but then you have to face mortgage and down payment, which will make your life very stressful. I hope my answer is helpful to you, thank you!

Can I get a loan to pay the down payment on the house?

Can I get a loan to pay the down payment on the house?

Strictly speaking, a down payment on a house is not allowed. The down payment is the down payment for buying a house, not the full loan. You need to pay part of it yourself, and you can borrow the rest from the bank. According to the national policy, buying the first suite requires a down payment of 30% to apply for a loan to buy a house, and buying the second suite requires a down payment of 60% to apply for a loan from the bank.

What if the down payment is not enough?

1, find another channel to make money.

The amount of buying a house now is not a small sum. If the down payment is not enough, you can only find other ways to earn more money before you can pay the down payment. If you can think of ways to make money, the pressure of life will be alleviated, such as funds, stocks, or other financial management methods, you can try it.

Step 2 Apply for a credit loan

If the down payment is small, and you have a stable income and a good credit record, you can consider applying for a credit loan. However, it should be noted that credit loans are only suitable for temporary emergency, because after applying for a mortgage, the principal and interest of the loan need to be repaid, and the repayment pressure in the future will be very great.

3. Reduce the standard of buying a house

If the down payment of the house exceeds your own budget, you will feel that the pressure of life will be greater after the house is handed over, so you can consider a smaller house, choose a slightly smaller place, lower your own buying standards, and buy a house in combination with your own economic situation, so that the pressure will not be too great in the future.

Step 4 ask relatives and friends for help

It is difficult to buy a house by yourself. If the down payment is not enough, you can only find relatives and friends. But remember, when you borrow money from relatives and friends, you must measure each other's financial situation, you need to sign an iou, and remember to pay it back on time when you have enough money.

Step 5 Seek support from parents

Buying a house is a big deal, so you can ask your parents for help in raising money first. Although they don't have much money, they will help find ways to raise money.

Can I get a loan to pay the down payment? How can I get a loan to pay the down payment on my house?

Now most new houses are purchased by loans, so can I use loans to pay the down payment? It is out of the question. Buying cooperative banks with down payment does not support loans, but if the down payment is not enough, we can raise enough down payment through other channels. When we make a house loan, how to make a down payment is very simple, that is, how to raise enough down payment funds.

Now most new houses are purchased by loans, so can I use loans to pay the down payment? It is out of the question. Buying cooperative banks with down payment does not support loans, but if the down payment is not enough, we can raise enough down payment through other channels. When we are making a house loan, how to use the loan to pay the down payment of the house is very simple, that is, there are of course many ways to raise enough down payment.

Can I get a loan to pay the down payment?

The down payment of the house is secured by collateral. Borrowers can use their own fixed assets as collateral to get loans, and then use the loans to pay the down payment of the house, but you can't borrow too many loans, so as not to cause too much debt and the house can't apply for mortgage repayment.

1, house down payment installment loan. One activity that some developers will launch is down payment by installment. The down payment installment means that the purchaser pays part of the down payment according to a certain proportion and signs a loan contract, and then makes up the remaining down payment within a certain period of time. The down payment made by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, stipulating the installment repayment time and related liability for breach of contract.

2. Choose a credit card to pay the house down payment in installments. You can apply for a credit card, and you can overdraw it when you pay the down payment. Need to know in advance whether the bank allows the down payment to swipe the credit card. After you pay the down payment on the house with a credit card, remember to repay it on time, which will not cause repayment, otherwise it will affect your application for a house loan in the future.

3. Choose non-bank institutions to apply for loans. At present, there are many non-bank institutions that can provide down payment loans for houses. You can apply for loans from these financial institutions to pay the down payment on your house.

How to get a loan to pay the down payment on a house?

1, a few days ago, many financial institutions launched a "down payment policy" for young people who want to buy a house, but the down payment was not enough, and the loan was used to pay the down payment of the house. There are two types of down payment policy loans: guaranteed down payment policy loans are designed for improved buyers: buyers want to sell their existing houses and buy a new one, but the down payment time for selling their own houses and buying a new house may not be exactly the same. If the down payment funds are insufficient in a short time, they will exchange their existing homes for the down payment of new houses.

2, the loan can pay for the down payment of the house. The unsecured down payment policy seems to be more popular at the moment: there is no collateral, relying on "stricter review" to provide down payment loans for buyers. However, many cities have urgently stopped the "down payment policy". It is said that the financial departments, including Bank of China and China Banking Regulatory Commission, are paying close attention to the financing risks of the real estate industry in some areas, and plan to introduce measures to crack down on the down payment of housing loans.

I told my friends in detail above. The information about whether you can make a loan to pay the down payment and how to make a loan to pay the down payment is actually very simple in the case of provident fund, but I remind you that if you want to apply for a house loan, don't handle other loan business before applying. It is better to borrow it from relatives and friends.

Can I get a loan for the down payment?

Strictly speaking, a down payment on a house is not allowed. 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.

According to the national loan policy, buyers need to prepare 30% down payment to apply for a loan to buy the first suite, and 60% down payment to apply for a bank housing loan to buy the second suite.

What if the payment is not enough?

1, mortgage loan with collateral

Borrowers can use their own fixed assets as collateral to get loans, and then use the loans to pay the down payment of the house, but you can't borrow too many loans, so as not to cause too much debt and the house can't apply for mortgage repayment.

2. Down payment and installment payment

One activity that some developers will launch is down payment by installment. The down payment installment means that the purchaser pays part of the down payment according to a certain proportion and signs a loan contract, and then makes up the remaining down payment within a certain period of time. The down payment made by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, stipulating the installment repayment time and related liability for breach of contract.

3. Choose credit card installment payment.

You can apply for a credit card, and you can overdraw it when you pay the down payment. Need to know in advance whether the bank allows the down payment to swipe the credit card. After you pay the down payment on the house with your credit card, remember to repay it on time, so as not to cause overdue repayment, otherwise it will affect your application for a house loan in the future.

Can I get a loan for the down payment on buying a house?

At present, many people choose loans to buy houses, which can reduce people's pressure. So can I get a loan for the down payment on buying a house? Let's take a look with Bian Xiao.

First, can I get a loan for the down payment on buying a house?

You can't get a loan for the down payment, but you can get the down payment in the following ways: 1. Collateral mortgage: borrowers can mortgage their fixed assets to obtain loans; 2. Installment down payment: sign a loan contract with the developer to make up the final payment within a time limit; 3. Choose credit card installment: If the bank allows down payment by credit card, you can pay by installment; 4. Choose non-bank institutions to apply for loans.

Second, what should I pay attention to when buying a house to pay the down payment?

1. Verify the developer's five certificates

Before paying the down payment, we should first check whether the developer has five certificates, including the construction permit and the house pre-sale permit, of which the land certificate and the pre-sale permit are the most important. With these two certificates, there is almost no problem.

2. See clearly whether the rights and obligations of the contract terms are equal.

When you pay the down payment, you usually have to sign a house purchase contract. Before signing, it depends on whether the contract is a standard contract uniformly printed by the real estate management department. Secondly, when signing a contract, we should pay attention to each clause, such as whether the listed obligations are equivalent. Because some developers will fill in the contract text in advance, or even fill in supplementary terms, they must read it carefully to avoid unfavorable terms.

3. Clear the liability for breach of contract when handing over the house.

In the contract, the delivery time should be clearly marked, and at the same time, the time should be clear to the year, month and day. Because it involves the time of delivery, there will be a breach of contract if the delivery is overdue, so it is necessary to fill it out clearly to avoid developers playing word games.

4. Confirm the terms of pricing method and payment method

When you pay the down payment, you should be clear about the valuation method, total price and payment terms, such as the price per square meter of the house, which should be clearly stipulated in the contract. Secondly, other expenses should also be reflected, such as water heating, no money for initial installation and so on. , should be listed one by one.