The current housing prices are so high that many people just want to stop. Nowadays, many people have the need to choose a house, but they are unable to choose a house in full, so people choose mortgage loans to choose a house. Because the loan policies in different regions are different, it is necessary to master the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you are going to choose a house in Ninghai, what is the down payment for a house of 1.26 million yuan? How much is the monthly payment? Let me show you the relevant information below!
For the purchase of the first home, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is, 1260000 * 30% = 882000 yuan, and the longest loan period shall be 30 years; Provident fund loans, the loan ratio can reach 80%, the maximum loan amount is 600 thousand yuan, and the longest loan period is 30 years.
If it's a second suite, it's not less than 50% of the appraised house price, that is, if the total house price is 1260000 yuan, the down payment needs 1260000 * 50% = 630000 yuan; If the provident fund loans the second suite, the maximum loan amount is 600,000.
Regarding the down payment and monthly payment for choosing a house in Ninghai, if you are going to buy a house of 654.38+0.26 million in Ninghai, you should make full financial preparations. The down payment is also a big expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of Ninghai housing loan I provided for you. I hope it will help you!