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Nowadays, house prices are very high. For working people, it is impossible to buy a house in full, so they can only do it. When buying a house with a loan, how much is the down payment? After understanding this kind of information, you can better help you choose a suitable house.

1. How much is the down payment for buying a house?

1. If you are buying your first new house, the government has the following regulations:

According to the country’s terms for buying a house, When buying a house, it’s all about the entire family. If it is your first house, the down payment cannot be less than RMB 30. For example, if the total price of a new house purchased is 1 million, then the calculation formula for the amount of down payment required is: 1 million * 30 = 300,000, that is, a down payment of 300,000 is required.

2. When calculating the down payment amount for buying a house, you also need to calculate it according to the loan amount:

According to the regulations formulated by the state, 30% of the total value of the new house is required as the down payment. However, the loan amount will also have a certain impact on the down payment. For example, if you use a provident fund loan, the maximum total loan amount that the couple can borrow is 450,000, that is, to buy a house worth 1 million, the down payment amount required is 550,000; if you use a commercial loan, the bank that lends the loan will make it based on the individual’s personal circumstances. The repayment ability and the income of the entire family depend on whether the loan amount is supported, that is, down payment = total house payment - loan amount.

3. The down payment for buying a second house is high

The above introduces the down payment amount for buying the first new house. If you are buying a second house, the proportion of down payment will be different. It is different. Generally, it reaches 50% of the total amount of the house. That is, to buy a house worth 1 million, you need to pay a down payment of 50W.

2. What issues should be paid attention to when buying a house?

1. In order to attract more home buyers, most developers will launch preferential activities before the opening of the market in which consumers can purchase a house by depositing a certain amount several times. Pay deposit. If this happens, it will be very troublesome if you want to refund the deposit later. It depends on whether the developer agrees to refund. Not all consumers agree to refund the deposit. Therefore, when paying the deposit, you need to carefully study all the contents of the contract to avoid jumping into the trap set by the developer.

2. When choosing a property, you need to pay special attention. Not all properties are good. If you want to see whether the property you choose can be bought, it is best to go online to get relevant information. Among them, you need to pay special attention to the developer and the property being developed, whether there have been any posts requiring rights protection, and whether there have been any Videos of building problems so you can avoid buying a house with problems.

3. When going to the developer to view a house, you need to pay special attention. At the very least, you need to have five certificates, namely the "Commercial Housing Sales (Pre-sale) License" and "Building Project Construction License" ", "Building Project Planning Permit", "Building Land Planning Permit", "State-owned Land Use Certificate", this can avoid buying a house with problems, and the after-sales guarantee is also superior.

How much is the down payment for a house? Now you know it! The down payment for a house has a great relationship with our choice. It is closely related to the loan method and whether we are buying the first house.

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