How to calculate the down payment for second-hand houses?
There is a difference between the calculation method of down payment for buying a second-hand house and the calculation method of down payment for a new house. The down payment of a second-hand house is: net down payment = actual transaction price-customer loan amount (net down payment: excluding national taxes and fees and intermediary service commission).
Because the second-hand house has an evaluation price in the loan process, the loan amount needs to be calculated according to this evaluation price, so the evaluation price has a great influence on the down payment of the second-hand house. However, in the process of second-hand housing transactions, the down payment ratio can be discussed with the seller. Take a house with a total price of 6,543,800 yuan as an example. When buying a second-hand house loan, the bank will evaluate the second-hand house for risk consideration. Generally, the appraisal price of second-hand houses is 80% of the total house price.
What if the down payment for buying a second-hand house is not enough?
1, ask relatives and friends for help
If the buyer has many close friends and relatives, when the down payment is not enough, he can also ask friends and relatives with good financial ability for help, but remember to measure each other's financial situation, sign a formal IOU, and remember to repay when there is more money, so as to avoid disputes and affect the relationship between relatives and friends.
Step 2 use a credit card
Although credit cards are mostly used to buy things and swipe cards, they can also be used to pay when the funding gap is relatively small. However, due to the high interest cost in this way, it is recommended to use a high-value credit card instead of multiple low-value credit cards, because it is easy to be considered as cash.
3. Through policy loans
For buyers who have already purchased commercial insurance, they can also consider applying for loans through insurance policies. Moreover, many insurance companies can apply for loans through insurance policies, but there will be certain risks and quota restrictions, so they should consult insurance companies. It should be noted that this undoubtedly adds a loan to yourself, so you must measure your repayment ability.
4. Reduce the purchase standard.
If the buyers can't make money under the circumstance of insufficient down payment, under the circumstance of relatively high pressure, they can consider lowering the purchase standard when starting a business, and they can consider buying a smaller house or a place with a slightly off position, so that they can lower the purchase standard according to their own down payment.
How to calculate the second-hand housing down payment and how to buy a second-hand housing down payment is not enough? Bian Xiao will introduce you here. In today's society, it is very common to buy a house by loan, but not everyone can apply for a mortgage smoothly. If you want to apply for a mortgage, you need to meet the bank's regulations. Before applying for a loan, buyers must first know whether they are eligible for a loan.