There are more people buying houses now. When buying a house, the family will make a field trip first, and then carefully consider which house to buy. Well, first of all, we need to look at the down payment of a house with a price of 1.8 million, because we have to pay the down payment after looking at the house, so we must know this so that we can prepare the money in advance. In addition, what are the precautions for the down payment of the house?

1.8 million yuan, how much is the down payment?

If it is our personal housing loan: 1, the minimum down payment ratio of the first suite is 30%; 2. The down payment ratio of the second suite is at least 40%. The specific loanable amount needs to be submitted to relevant information, and can only be determined after network audit.

The bank's monthly income requirements for personal housing loans are: the proportion of monthly loan expenditure to monthly income is controlled below 50% (inclusive), and the proportion of monthly debt expenditure to monthly income is controlled below 55% (inclusive). That is, the monthly loan expenditure does not exceed half of the monthly income, and the monthly debt expenditure does not exceed 55% of the monthly income. Please refer to the regulations of the local branch for details.

Problems needing attention in down payment of house purchase

First of all, we must review whether the developer has a pre-sale permit for commercial housing. With a permit, it means that the developer has a land use permit, a planning permit, a construction project permit and so on. This is the key to buying a house. When purchasing, you need to pay attention to whether the purchased building number is within the pre-sale range. If you buy an existing house, the developer must provide the house ownership certificate and the state-owned land use certificate. Buying an existing home needs to check whether the developer has a big name.

Second, know whether the project is mortgaged. If the project is mortgaged and the loan cannot be repaid at the expiration of the mortgage period, the bank, as the mortgagee, will exercise the mortgage right and auction the property, and the proceeds will be paid in advance. As a third party, buyers can't compete with banks, and the risks are self-evident. As the mortgage inquiry of auction house does not accept individuals, you can entrust a lawyer to inquire if necessary.

Three, must use the standard housing sales contract printed by the real estate management department. And fill in the items listed in the article item by item, and never be careless.

Fourth, we should pay attention to whether the rights and obligations in the contents filled in by both parties in the terms of the contract are equivalent. Some developers have filled in the contract text in advance, and even the supplementary terms are filled in by themselves. Most of these filled-in contract texts are unequal in rights and obligations. Once this happens, buyers must put forward their own opinions and never make a move.

As for the down payment 1.8 million, the article has already told the answer. If it is the first time to buy a house, the down payment ratio is 30%, if it is the second time to buy a house, the down payment ratio is 40%. So we can directly multiply 1.8 million by 30% or 40% to calculate, and then we can figure out how much we need to pay.