The down payment for buying a house is generally around 20% to 50%. If it is the first suite, it is generally around 20% to 30%. In most cases, a down payment of 30% is required. If it is a second suite or multiple suites, the down payment ratio may be higher, and it may be more difficult to apply for a loan. If it is the first suite, the loan can give some discounts. For example, the growth of provident fund loans is about 2.45% to 3.8%, and the interest rate of commercial loans is about 3.8% to 4.8%. Bank loans are generally linked to LPR, which is more beneficial to lenders, because if the central bank's benchmark interest rate is lowered, its own loan interest rate will also be lowered.

What account should I pay for the down payment on buying a house?

The down payment for buying a house should be given to the developer. Of course, in the case of buying a new house, the payee should issue a receipt to the payer. If you buy a second-hand house, you can also give the down payment to the seller. If you are not at ease, you can also transfer it to the other party through a bank account. If it is the first suite, then the normal down payment is about 20% to 30%. If it is a second suite, then the down payment may be more, about 50%. In addition to the down payment, there will be corresponding discounts for buying the first home bank loan. Users with provident fund had better use provident fund loans, and the interest rate will be lower.

Have you given the down payment invoice to the bank?

The down payment invoice for house purchase does not need to be handed over to the bank. Under normal circumstances, such an important invoice is generally kept by yourself. Generally, only valid personal identification documents are needed to find a bank loan. Some tax vouchers paid in the purchase contract include real estate license, personal bank account, credit report, marriage certificate and other materials. The bank only needs to confirm that the applicant has certain repayment ability and good credit information, and the borrowed house has certain market value.