Different cities and different banks have different down payment ratios for housing loans. For example, for the first house in Beijing and Shanghai, the down payment should reach 35%, while many second-tier cities such as Tianjin have to pay 30% down payment for buying a house for the first time. In addition, the identification of the first house varies from place to place. Some people don't need houses, some people don't need houses, some people don't need mortgages, and some people need loans.
For property buyers, when buying a house, the first thing to consider is how to choose a house that suits them. Now, loan is a very popular way. The following is about down payment and down payment. The real estate policy of each city will be very different.
How much is the down payment for the new house? According to the national policy, if it is the first suite, the down payment shall not be less than 30%. For example, for a house of 654.38+00,000 yuan, the down payment must be 654.38+00,000 ×30%, which is 300,000 yuan.
Although it is stipulated that only 30% of the house price is needed, there is also a problem, that is, loan. For example, for a house with a value of/kloc-0.00 million, the couple can use the provident fund loan to borrow 450,000 yuan, and the rest have to pay the down payment, that is, 1 10,000-450,000 = 550,000 yuan, that is, the down payment is 550,000 yuan.
If it is a commercial loan, then you should also consider your financial situation, your repayment ability, plus the total amount of your mortgage, and the rest is your down payment.
The above is the answer about when to pay the down payment for buying a new house and related questions. I hope my answer will satisfy you and give you some ideas.