Beijing's housing prices are very high, and it is difficult to buy a house at one time, so many people choose mortgage loans to buy a house, and loans to buy a house require a down payment. So how much is the down payment for buying a house in Beijing? Let's take a closer look with Bian Xiao.

How much is the down payment for a house in Beijing?

At present, the loan methods of buying a house are divided into commercial loans and provident fund loans. Different loan methods will have different down payment ratios. If the situation of buyers is different, then the proportion of down payment for buying a house in Beijing is also different, including the following situations:

1. Take the purchase of the first suite as an example. When buying a new house and the house area does not exceed 90 square meters, the down payment ratio is as low as 20%. If it is a house worth 3 million, then the down payment is 600 thousand.

2. When buying a second house, the down payment ratio is as low as 60%. It is also a house worth 3 million yuan, so the down payment is 1.8 million.

3. When the property buyer purchases the third suite, the loan bank will not approve the applicant's loan application according to the actual situation of the house price.

4. If the buyer buys the first house with the provident fund loan, the down payment ratio that the buyer needs to pay is as low as 20%.

5. If none of the above conditions exist, the down payment ratio that buyers need to pay is as low as 30%.

6. From the above situation, the down payment that buyers need to pay will be different with different house prices. In addition, the down payment for buying a house in Beijing depends on the housing area purchased by the buyer.

The above is an introduction to the down payment of houses in Beijing. Before buying a house in Beijing, we must first understand the down payment ratio and the policy of buying a house in Beijing, so that we can know how much money we need to prepare for buying a house, so that we can better understand it and buy a house more easily.

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