1. First-hand house down payment calculation method: the down payment is equal to the total house price minus the customer loan amount, and the loan amount is equal to the contract price (market price) multiplied by 80% (the first loan amount can be as high as 80%). 2. Calculation method of second-hand house down payment: the net down payment is equal to the actual sales price minus the customer loan amount (net down payment: excluding the national taxes and fees and intermediary service commission), and the loan amount is equal to the second-hand house evaluation price multiplied by 80% (the first loan amount can reach 80%). "Regulations on the Management of Urban Real Estate Development and Operation" Article 4 The administrative department of construction in the State Council shall be responsible for the supervision and management of real estate development and operation activities throughout the country. The real estate development departments of local people's governments at or above the county level shall be responsible for the supervision and management of real estate development and business activities within their respective administrative areas. The departments in charge of land management of the people's governments at or above the county level shall be responsible for land management related to real estate development and operation in accordance with the provisions of relevant laws and administrative regulations.
Housing down payment calculation
1. First-hand house down payment calculation method: down payment = total house payment-customer loan amount; Loan amount = contract price (market price) ×80% (the first loan amount can be as high as 80%).
2. Calculation method of second-hand house down payment: net down payment = actual sales price-customer loan amount; Loan amount = appraised price of second-hand house ×80% (the first loan amount can reach 80%).
Precautions for buying a house:
1. Can developers really use the advance payment for commercial housing construction without being used for other purposes?
2. Whether the commercial housing can be completed as scheduled.
3. Whether the price of pre-sale commercial housing is reasonable and whether the housing will increase in value and maintain its value.
4, the actual delivery of housing is in line with the contract, etc.
5. To buy pre-sold commercial housing, it is necessary to check whether the development enterprise hangs the original and attached drawings of the Pre-sale Permit for Commercial Housing in a conspicuous position in the sales office.
6. Whether the purchased house has been mortgaged or sealed up; If it is sold by a real estate agent, it is necessary to know whether the company has the qualification of a real estate agent. The above information can be found on the website of the Municipal Bureau of Land and Housing Management.
7. Regarding the quality of the house, it is suggested to go to the site to check whether there are problems such as wall cracking, water leakage, water seepage, cutting corners and pipeline leakage.
How to calculate the down payment of the house?
Now house prices are rising rapidly, which makes many friends who want to buy a house very upset. Buying a house costs a lot of money, and it is difficult to pay it all at once. Nowadays, many people choose to pay the down payment first and then pay the mortgage every month. So, how to calculate the down payment of the house? Let's take a look with Bian Xiao.
First, how to calculate the down payment of the house?
1, the average developer will give the unit price of the house and then multiply it by the actual area, and the result is the total amount of the house. For example, the unit price of the house is 4,550 yuan per square meter, and the area is 1 18.36 square meters, so the total amount of this house is 538,538 yuan. When calculating the down payment, first remove the fraction, which is 8538 yuan. The down payment of 530,000 times 20% is 10.6 million. Excluding the fraction, the down payment is 1 1 ten thousand yuan, plus the 8538 yuan removed before, the down payment is 1 18538 yuan.
2. According to the national regulations, the down payment for a family to buy the first house shall not be less than 30% of the total house price. That is to say, if you want to buy a house of100000, the down payment should not be less than 300000. If the provident fund loan is adopted, the couple can borrow up to 450,000 yuan, and the remaining amount needs a down payment, that is, the down payment needs 550,000 yuan.
3. If you use commercial loans, you should decide how much to borrow according to the family income and the borrower's repayment ability. After deducting the loan amount from the total house price, the remaining amount also needs a down payment. When buying a second suite, the down payment ratio should not be less than 50%.
In order to attract customers to buy houses, some developers have introduced down payment concessions. For example, the developer will give you some money, and then let you book the housing first. The remaining money buyers need to make up within one year, which is also a good strategy to ease the down payment pressure of buyers.
Editor's summary: how to calculate the down payment of the house? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
What is the formula for calculating the down payment of a house?
With the rise of housing prices, many people will choose loans to buy commercial housing to reduce the pressure of buying houses. However, if you buy a house with a loan, you still need to pay the down payment of the house before you can apply for a loan at the bank. What is the formula for calculating the down payment of a house? Let me introduce you here.
What is the formula for calculating the down payment of a house?
Down payment for the first suite: total house price-customer loan amount = contract price ×80% (the maximum amount of the first home loan can reach 80%), and the down payment ratio for the first suite is not fixed, because the down payment ratio for the first suite will be different in different regions. Second-hand house down payment: actual transaction price-customer loan amount (net down payment: excluding national taxes and intermediary service commission down payment), loan amount = second-hand house evaluation price ×70% (the first loan amount can reach 70%).
What should I pay attention to when buying a house for the first time?
1 to avoid falling into the deposit trap.
When we buy commercial housing, we need to avoid falling into the deposit trap. Many developers will launch various discount activities when selling commercial housing, and ask buyers to pay a certain deposit. Most of the agreed money will still be refunded, but some developers will refuse to return it for various reasons. Therefore, when we pay the house purchase deposit, we need to be optimistic about the deposit contract, distinguish the deposit from the deposit, and avoid falling into the deposit trap.
2. Check the reputation of the developer online.
When we buy a commercial house, we also need to search online for the reputation of this property and developers to see if there are any posts that infringe on the rights of the next developer and property, so as to avoid buying a house of a black-hearted developer.
3. Look at five cards
When buying a commercial house, you need to check whether the developer has five certificates: commercial house sales (pre-sale) permit, construction permit, planning permit, land use planning permit and state-owned land use permit. Only the developers with complete five certificates can explain that the procedures are complete and the quality of the house is guaranteed.
The above is an introduction to the down payment calculation formula, hoping to provide some help when buying a house, so that everyone can buy their favorite house.
How to calculate the down payment of the house
Calculation method of house down payment: house down payment = total house payment-customer loan amount. Loan amount = contract price (market price) ×80% (the first maximum loan amount is 80%), total loan amount × annual interest rate × loan term = total loan interest.
Secondly, the monthly payment of the house is calculated as follows: (total loan, total loan interest) ÷ how many years ÷ 12= monthly payment.
The borrower should note that the monthly payment will be affected by many factors and the amount will change. There are four main factors that affect the monthly payment: loan amount, loan term, annual interest rate and repayment method. In fact, when choosing the down payment ratio, the borrower needs to decide according to his actual situation.
If the borrower buys a house in a first-tier city such as Beishangguangshen and Shenzhen, the house price changes greatly, and it is best to make a down payment of about 30%. If you buy a house in a second-tier or lower city, you can determine it according to the mortgage interest rate. The higher the mortgage interest rate, the higher the down payment ratio.
If the borrower's personal qualification is not very good, he can also choose to appropriately increase the down payment ratio of the house, which will help to successfully apply for a personal housing loan from the bank.
How to calculate the down payment of the house?
Question 1: How to calculate the house down payment? Let me give you an example.
The flat unit price of the house 1 10 is 4,000, and the total price is 440,000.
To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%.
The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.
4000-(4000X 10%)=3600 (regional guide price)
3600X 1 10 square meter =396000 yuan.
396000 x 70% = 27720 yuan (this is your loan amount).
440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.
Your down payment is 6.5438+0.6 million.
The monthly payment is calculated like this.
Loan amount x loan term x interest rate = monthly payment
277200X20X7.05=39085200
Monthly payment for 400 yuan.
As long as you are an adult, you can apply for a loan. You don't need to work or start a business. Bank mortgage and buying a house are basically random loans!
Question 2: How to calculate the down payment for buying a house? There are also very few second-tier cities with a down payment of 20%. In most cities, the down payment for buying a house is 30%, that is, down payment = 30% of the total house price. In addition, the purchase price does not include taxes.
Question 3: Calculation formula of down payment for house purchase Article 10 of the People's Republic of China stipulates that for families (including borrowers, spouses and minor children) who purchase the first set of self-occupied houses with a housing construction area of over 90 square meters, the down payment ratio of loans shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. This is also the case in reality, but there are two points that need to be added: 1, some banks can buy the first house below 90 square meters at home with a down payment of 20% and enjoy preferential interest rates; 2. Some regions and banks have suspended the issuance of the third home loan, that is, the full down payment. :)
Question 4: How to calculate the down payment of the house loan? The average price of the house is 4000, and the total price of the house is 440 thousand.
To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%.
The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.
4000-(4000X 10%)=3600 (regional guide price)
3600X 1 10 square meter =396000 yuan.
396000 x 70% = 27720 yuan (this is your loan amount).
440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.
Your down payment is 6.5438+0.6 million.
The monthly payment is calculated like this.
Loan amount x loan term x interest rate = monthly payment
277200X20X7.05=39085200
Monthly payment for 400 yuan.
As long as you are an adult, you can apply for a loan. You don't need to work or start a business. Bank mortgage and buying a house are basically random loans!
Question 5: How to calculate the down payment for buying a house? For general activities, the activity preferential price is deducted from the total price, and the remaining total price is calculated as the down payment at 20% or 30%. However, when I went to book a room yesterday, people said that the Agricultural Bank of China had stopped setting a down payment of 20% (instead of 30%), and the Bank of China and ICBC estimated that it would soon be changed to a down payment of 30%. We still have to seize the opportunity.
Question 6: How to calculate the down payment and monthly payment when buying a house? It depends on how much down payment the developer wants you to pay for the house you want to buy, 30% or 40%. For example, the total house price is 768,977 yuan, and the down payment is 30%.
Your loan amount is 538,283 yuan, but your self-raised loan is 530,000 yuan, and the total price is 768,977 yuan-530,000 yuan = 238,977 yuan.
The monthly payment depends on your loan period. Generally, the longest loan period is 30 years. Men are 65 years old and women are 60 years old. The existing 65 or 60 MINUS your current age is your loan life, but it cannot exceed 30 years. The bank has a special interest rate table, and the monthly payment is equal to your loan amount MINUS four years multiplied by the loan period. For example, the benchmark interest rate for a 30-year loan is 530,000 yuan. Calculation method: 53x66.87 (1 ten thousand yuan monthly payment.
Question 7: How to calculate the house down payment? First of all, local policies are different. The most accurate answer is your local authorities.
My personal opinion is:
1. Generally speaking, the down payment for a new house is 20-30%, and the rest can be solved by provident fund, commercial loans or a combination of the two.
However, for a 99-year-old house, the down payment is the bank's decision. The bank should make an appraisal first, and then measure how much your down payment should be. It is estimated that it will cost at least 50%, and the rest can be solved by other loans.
Since you bought a second-hand house, the intermediary will answer these questions for you, and they will also have special ways to make you pay the down payment as little as possible. If it is not through an intermediary, then choose a bank and consult it in the past.
Question 8: What is a mortgage house? How to calculate the down payment? How to calculate the down payment of QQ space mortgage? 30 [Label: mortgage down payment, house purchase, mortgage] One person pays 20% down payment to buy the first suite, and after two years, it is transferred to someone else's name. Will the down payment for buying a suite be 20% or 40%? You can change your name for free for two years. Is it five years now? Similarly, if someone else's name is transferred to you, but the name is not mortgaged, is the down payment 20% or 40% when you buy it again? Dior's reply: 7 popularity: 13 solution time: 20 10-02-2307:55. First of all, you have to understand the definition of the second suite: one of the husband and wife has had a bank mortgage, and whether the mortgage is paid off or not, it is considered a second suite. The first 40% interest rate rises 10% on the benchmark interest rate, and the business tax is changed from two years to five years. From 2065438+ 1 65438 in 2000, if individuals sell non-ordinary houses that have been purchased for less than 5 years, business tax will be levied in full; If an individual sells non-ordinary houses that have been purchased for more than 5 years (including 5 years) or ordinary houses that have been purchased for less than 5 years, business tax shall be levied according to the difference between the sales income and the purchase price; Individuals who purchase ordinary houses for more than 5 years (including 5 years) for external sales shall be exempted from business tax. For couples who have no bank mortgage records and have the ability to repay, the down payment can be 20%. What the landlord needs to remind is the process and cost of house transfer, not as simple as five years when you think you can change your name for free in two years. Talk to you later if you have any questions.
Question 9: How to calculate the down payment of house price? First of all, it is necessary to clarify the meaning of mortgage: it must be after the prescribed down payment is paid, and the bank's trust in the balance of house payment is essentially a mortgage-guaranteed loan. The collateral is the house you bought!
The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; Three suites are not allowed)
The down payment is at least 30% of the house price, and the monthly payment is 200,000 years. For example, the bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. Under the current policy, the first suite is generally calculated according to the benchmark interest rate 10%. On July 7th, the adjusted five-year interest rate was 7.05%. The monthly interest rate is 7.05%1.112, and the monthly repayment is 2000007.05%112 (17 [
Description: 240 is 240 times.
Although there are regulations, as long as you take 30% of the total house price, there is still a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow up to 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan.
If commercial loans are adopted, it is also necessary to examine family income and repayment ability to see how much money can be borrowed. The total house price minus the loan amount is also the down payment.
These are the algorithms for the first suite. If you buy a second suite (family as a unit), the down payment ratio of the loan shall not be less than 50%. For example, for a house with a total house price of 6.5438+0 million, the down payment should be at least 6.5438+0 million, and 50% = 500,000.
Question 10: How to calculate the down payment for buying a house? 1. According to national regulations, as long as it is the first house, the down payment cannot be less than 30% of the total house price (this ratio is not fixed). For example, if you want to buy a house with a price of 654.38+100,000 yuan, then your down payment should be at least 654.38+100,000 30% = 300,000 yuan.
Second, calculate the down payment according to the loan amount.
Although there are regulations, as long as you take 30% of the total house price, there is still a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow up to 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan.
If you use a commercial loan, you need to examine your family income and repayment ability to see how much you can borrow. The total house price minus the loan amount is also the down payment.
Third, buy two suites with a down payment.
These are the algorithms for the first suite. If you buy a second suite (family as a unit), the down payment ratio of the loan shall not be less than 50%. For example, for a house with a total house price of 6.5438+0 million, the down payment should be at least 6.5438+0 million, and 50% = 500,000. Fourth, buying a second-hand house down payment depends on negotiation.
When buying a new house, the down payment is calculated according to the proportion and loan amount. If you buy a second-hand house, you need to negotiate the down payment with the owner, as long as it is not lower than the down payment ratio (≥30%).