If the down payment ratio is high, the loan interest rate may not be low. The loan interest rate is determined by many factors such as the user's actual credit situation and the market loan interest rate. Even if the down payment ratio increases, the loan interest rate cannot be reduced. Of course, if the user's comprehensive credit score is high and he is also a high-quality customer of the bank, the loan interest rate may be very low.

Once the loan interest rate is determined, the user cannot negotiate with the bank, so if he is not satisfied with the interest rate, he can apply for a loan from another bank.

Can the down payment of 60% for buying a house be low?

First of all, an affirmative answer.

The mortgage down payment ratio will really affect the loan interest.

Second, the specific analysis

The loan interest is determined by the loan interest rate, which in turn is determined by the borrower's loan risk.

The smaller the loan risk, the lower the loan interest rate, and the borrower's loan interest will naturally become smaller.

If the borrower's down payment ratio increases, the loan principal will decrease, the possibility of loans overdue will decrease, and the loan interest will naturally decrease.

However, banks also have requirements for the down payment ratio of mortgage loans. Generally speaking, the minimum down payment of mortgage can not be less than 30% of the house price, and the maximum can not exceed 50%.

The buyer of the first mortgage suite needs to pay the down payment within one week after signing the purchase agreement.

In addition to the down payment ratio of mortgage, the repayment method of mortgage will also affect the interest of mortgage.

Common loan repayment methods include average capital and equal principal and interest.

Different repayment methods have different interest calculation methods.

The loan interest in average capital is lower than the equivalent principal and interest.

In addition, we need to remind everyone that for the buyers whose loan applications have been submitted but not reviewed or under review, if the interest rate of bank loans changes, the buyers whose loan applications have been submitted but not yet reviewed or under review will be most affected by the interest rate.

Borrowers who apply for loans too frequently or operate loans too frequently will increase their personal credit risk. You can quickly check the personal credit risk index in Beijian. The higher the risk score, the easier it is for the application to be rejected.

Third, does the down payment of Hua Bai affect the mortgage?

Paying the down payment with the flower garden will have a certain impact on the subsequent mortgage approval.

Because the bank will not only review the credit status when approving, let the evaluation agency evaluate the value of the house, but also review the source of the down payment funds.

The down payment of the house must be paid with its own funds. Once the bank finds out that it is paid with the funds of Huabai or other credit products, it will inevitably worry about the economic situation, doubt its repayment ability and probably refuse to approve the loan.

Moreover, the garden itself can only be used for shopping and consumer spending, and it is forbidden to flow into the housing market (stock funds, wealth management and investment are also prohibited).

The system will evaluate it from time to time. Once discovered, it is likely to trigger Alipay risk control and limit the function of flower buds. At that time, I'm afraid the flower beds won't be used.

If you want to use the flower garden because you don't have much money to pay the down payment, I suggest that you can ask your spouse, parents and other immediate family members to transfer money to yourself and then use it to pay the down payment; Or you can choose another house with a lower price.

What's the difference between down payment and loan interest rate?

1, the difference of down payment ratio

In some cities with restricted purchases and loans, the down payment ratio of commercial loans for the first suite is 20%, and that for the second and third suites is 30%.

2. Differences in loan interest rates

Mortgage interest rates is rising all over the country, and the interest rates of the second and third suites are definitely higher than the first suite, so the loan interest rates of the first suite and the second and third suites in different banks and cities are different.

Extended data

2014 On September 30th, the Notice of the People's Bank of China and China Banking Regulatory Commission on Further Improving Housing Financial Services clearly stated that "actively support residents' reasonable housing loan demand";

For families who purchase the first ordinary self-occupied housing by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark interest rate of the loan, which is determined by the banking financial institutions independently according to the risk situation.

On August 3rd, 2065438, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued the Notice on Adjusting the Minimum Down Payment Ratio of Personal Housing Loan of Housing Provident Fund. According to the notice, the minimum down payment ratio of the provident fund that owns 1 house and has settled the house purchase loan is reduced to 20%. Since September 20 15 1 day.

2065438+February 2, 2006, the central bank and the China Banking Regulatory Commission jointly issued a message saying that in cities that do not implement purchase restriction measures, the minimum down payment ratio of commercial personal housing loans for the first time purchased by households is 25% in principle, which can be lowered by 5 percentage points in various places. For families who buy a second home and have not settled their loans, the minimum down payment ratio is not less than 30%.

Baidu encyclopedia-first suite

Baidu encyclopedia-second suite