1. If the construction area of the purchased house is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20%;

2. If the building area of the purchased house is more than 90 square meters, the down payment ratio shall not be less than 30% (depending on the minimum down payment ratio agreed in the contract agreement).

3. If you buy a second suite instead of the first suite, according to the regulations of the State Council, the minimum down payment ratio must reach 40%. Moreover, different regions and different banks, according to local housing purchase policies, market conditions and other factors, it is estimated that there will be some fluctuations on this basis, which may require a down payment of 50% to 60%, or even as high as 70%.

If the down payment ratio is not high and the customer has sufficient funds, you can actually pay more. If the down payment is increased, the loan amount can be reduced. In this way, mortgage approval can also provide some help, and it will be easier to pass the approval.

Extended data:

How to apply for provident fund loan to buy a house

1. The borrower shall submit a written application for housing provident fund loan to the housing provident fund management department, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal purchase contract, stamp of the applicant and spouse, etc.

2. Housing provident fund management conducts a preliminary examination of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After the preliminary review is passed, the management will issue a notice of collateral review and evaluation.

3. After the applicant has obtained the appraisal report issued by the appraisal institution, he shall go to the provident fund management department for examination and payment with the appraisal report and preliminary examination materials. If approved, the management will issue the Notice of Investigation on Entrusted Loans for Housing Provident Fund Management Guarantee.

4, the applicant holds the "housing fund management guarantee entrusted loan investigation notice", in accordance with their own choice of guarantee procedures. If the selected guarantee method is mortgage guarantee, the guarantor shall issue a written guarantee certificate; If the guarantee method you choose is mortgage plus insurance or third-party guarantee, you should go to the guarantee company to handle the entrusted guarantee formalities or go to the insurance company to insure.

5. After the above matters are approved, the applicant can sign a loan contract.

How much is the down payment for housing provident fund?

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Most people struggle all their lives to own their own houses. Now that house prices are high, many people will choose loans to buy houses, and the interest rate of provident fund loans is lower, so it is everyone's first choice. So what is the down payment for the provident fund to buy a house? What are the precautions for buying a house with provident fund loans? Next, Bian Xiao will introduce relevant contents to you. Let's have a look. \r\n \r\n\r\n \ r \ What is the down payment of provident fund for buying a house \ r \ n \ r \ n \ r \ nIn most cities, the down payment ratio of provident fund loans for new houses is 30%, and that for second-hand houses is 40%. Provident fund loans to buy a house, provident fund can not be directly used as a down payment. Property buyers need to pay their own down payment, and then go to the provident fund management center to withdraw the balance in the provident fund. Under normal circumstances, the total amount of housing provident fund cannot exceed the total amount of house purchase. If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan. \ r \ n \ r \ n \ r \ n \ r \ What are the precautions for buying a house with provident fund loans \ r \ n \ r \ n1. First of all, the provident fund cannot directly pay the down payment, so buyers need to pay the down payment first, and then go to the housing provident fund management center to withdraw the balance in the provident fund. The loan amount of housing provident fund is calculated according to the balance in the housing provident fund account, and the formula for calculating the maximum loanable amount is: (balance in the provident fund account+monthly contribution of provident fund ×2× statutory retirement months )× 2. \r\n \r\n \r\n\r\n2。 The loan materials should be complete. Provident fund loan procedures are complicated. In order to save time for loan approval, borrowers should prepare loan materials in advance as required. Then, understand the loan requirements, because not everyone can apply for provident fund loans. Only employees who pay the provident fund in full and on time to a certain period and ensure that their accounts are in a normal state can apply for provident fund loans. \ r \ n \ r \ n \ r \ n \ r \ Abstract: The above is what Bian Xiao introduced to you about the down payment of housing provident fund, hoping to help friends in need.

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Can provident fund loans only be down payment of 20%?

Provident fund loans can only pay 20% down payment. Provident fund loans have many advantages, such as low loan interest rate and low down payment ratio. The use of provident fund loans can indeed save a lot of interest expenses for lenders, and there will not be too much down payment pressure.

However, the low down payment of provident fund loans is generally only for the first suite. If the lender does not apply for the first home loan, then the down payment ratio cannot be only 20%, and 50% may be required. In addition, the loan interest rate will be higher than the first suite.

Although provident fund loans have many advantages, their disadvantages are also obvious. For example, there are many restrictions on lenders and many conditions need to be met. In addition, the amount of provident fund loans is also limited and cannot exceed the local upper limit.

At the same time, provident fund loans cannot be used indefinitely. Under normal circumstances, provident fund loans can only be used twice. When applying for provident fund loans, there can be no outstanding provident fund loans in the name of the lender. These all need attention.

How much is the down payment for provident fund loans?

How much is the down payment for provident fund loans?

Provident fund loans to buy a house down payment is mainly divided into the following two situations:

1, the first suite: the mortgage with a housing area of less than 90 square meters, and the down payment ratio is over 20% of the total house price. If the house area is more than 90 square meters, the down payment ratio is more than 30% of the total house price.

2. Second suite: for ordinary houses, the down payment ratio is more than 50% of the total house price. For the purchase of non-ordinary housing, the down payment ratio is more than 70% of the total house price.