For single and married people, the down payment is determined according to the number of houses. Generally speaking, the first house needs a down payment of 20%, some need a down payment of 30%, some need a down payment of 50%, and some need a down payment of 50%, depending on the requirements of their respective cities and banks.

Accounting of down payment for house purchase

1, down payment rules for the first suite

According to the government policy, if it is the first house, according to the government policy, the first month down payment shall not be less than 30%. For example, for a house with 1 10,000, the down payment must be110,000× 30% = 300,000.

2. How to calculate the down payment is calculated according to the mortgage down payment.

According to the rules, only 30% of the price is needed, but this is also a problem. For example, for a house worth 1 million yuan, you can borrow 450,000 yuan from the housing provident fund, and you have to pay a deposit for the rest, which is 1 million to 450,000 yuan, which is 550,000 yuan.

If it is a bank, you should also consider your financial situation, your repayment ability, plus the total amount of your mortgage, and the rest is your deposit.

The deposit for buying a second house is higher.

This is only the calculation of buying a house for the first time If you want to buy a second house, then your down payment must reach 50%. For example,1100,000 house, you must pay 500,000.

Buying a house depends on the down payment negotiated by both parties.

Buying a house is calculated in proportion, and the loan amount is calculated in proportion. To buy a two-bedroom apartment, you must first discuss with the landlord, and the proportion should not exceed 30%.

5. The developer's first discount

Some properties will even provide down payment to buyers, for example, more than 30% of the houses are fixed, and developers will pay a fee in advance for them to book in advance. For example,/kloc-a new house of 0/100,000, at least 300,000. Some developers will give a 20% discount, and the remaining 10% loan will be repaid within one year, also to ease the down payment of buyers.

6, provident fund loans

For first-time buyers, the loan can be 80% (below 90 square meters, 70% above 90 square meters).

Remarks: If there is no grade, you can generally borrow 800,000 yuan, depending on your savings rate and deposit rate.

7. Down payment method for the first suite:

Down payment = total housing-total customer loans

Loan amount = contract price (market price) ×80% (the upper limit of the first loan is 80%)

Generally speaking, the current policy for the first suite is: the down payment ratio for the first suite is 30%, but when the first suite is less than 90 square meters, the down payment ratio cannot exceed 20%, and the down payment ratio for housing provident fund loans above 90 square meters shall not be less than 30%.