1. At present, the interest rate of provident fund loans is only 3 points, which is the lowest interest rate I know in the past decade. In this case, the lower the down payment ratio, the better. It is no exaggeration to say that it would be great if the down payment could be zero.
2. It is related to the purchase policy. This purchase policy not only includes the government's policy of restricting purchases or encouraging purchases, but also includes the sales policy of developers. If the government does not require the down payment ratio, banks and developers do not require the down payment ratio, then in the era of low interest rates, the lower the down payment, the better. History has proved that inflation is long-term, deflation is temporary, cash is king, and the trend of cash loss is long-term.
3. It is closely related to personal financial management ability. If you have good resources, whether physical or financial, equity or futures investment, then cash is definitely more important to you. In this case, the lower the down payment ratio, the better.
4. The mortgage interest rate is high, the funds are sufficient, and there is no pressure on repayment. Consider paying a little more down payment. In this way, the interest paid is always lower. Under normal circumstances, many people are willing to pay less down payment and borrow more money. Money is becoming less and less valuable, so it is better to invest the extra money in other fields.
5. Of course, there are also conservative people. For such people, debt itself is hard to accept. With too many mortgages, you may not sleep well, which is related to your personal character. For such people, the more down payment, the better. I can't wait to pay in full.
If you are rich enough, there is no pressure on the whole payment. As long as you borrow money, you will earn interest. If you just want to borrow money to beat the appreciation of RMB, you need to calculate it according to your total house payment. If necessary, we can discuss it in private. In addition, if you want to pay a down payment of 10% or less, you can't. According to the current policy, if it is a restricted area, most cities need to pay 30% for the first set and 40% for the second set, not as much as you want.