In recent years, with the rise of housing prices and the increase of housing demand, many people will buy houses through housing loans, but they need to pay enough down payment for housing loans. So, what is the mortgage down payment ratio now? What impact will the mortgage down payment have? Next, let's take a look at Bian Xiao.

1. How much is the down payment for the mortgage?

1, down payment ratio of commercial loans and mortgages

If you apply for a commercial loan, the bank will examine the income and repayment ability of the buyers' families to determine how much money you can borrow. The down payment ratio is the total house price minus the customer loan amount. The down payment ratio of the first suite shall not be less than 30%, and that of the second suite shall not be less than 60%. Loans are prohibited for the third and above houses.

2, provident fund loan mortgage down payment ratio

For those who apply for provident fund loans, the down payment ratio is the total house price minus the customer loan amount. The down payment ratio of the first suite with a construction area of less than 90 square meters shall not be less than 20%, the first suite with a construction area of more than 90 square meters shall not be less than 30%, and the second suite shall not be less than 60%.

Second, what will be the impact of the mortgage down payment?

Due to the tightening of bank credit policy, the mortgage application and lending speed of buyers is relatively slow, and the down payment ratio of houses is not as favorable as before. In addition, the total house price and personal credit information will affect the down payment ratio, and buyers should prepare sufficient down payment according to local house prices in case of emergency.

Bian Xiao concluded: Well, here's some knowledge about the appropriate down payment ratio of mortgage and how it will be affected. If you need more information, please continue to pay attention to Qijia. We will provide you with more exciting content in the future.

Calculate how much it will cost to decorate your home.