1. If the last one has paid off the mortgage or does not need the buyers to share the loan, and the buyers are very talented and can get 80% of the second-hand housing loan, then only 20% of the second-hand housing loan down payment is required.

2. If the last one has not paid off the loan and requires the buyers to cooperate with the loan repayment, then it is safer to go through the fund supervision procedures and then make a down payment of 30% of the second-hand housing loan.

3. If the buyer has sufficient funds and can pay the house price in one lump sum, there is no need to pay the down payment for the second-hand house loan.

Calculation method of down payment for second-hand housing mortgage loan;

Net down payment = actual sales price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)

Loan amount = appraised price of second-hand house * 80% (the first loan amount can reach 80%).

For the loan amount budget method, the contract price * 85% can be used to estimate the approximate evaluation quotation.

If it is the first time to buy a second-hand house, the second-hand house mortgage loan should be at least 30% down payment, and 70% can be loaned; If it is a second-time house purchase, the down payment of the second-hand house mortgage loan shall not be less than 70%; The interest rate is 6.55%.