This is a common problem when we buy a house.

I'm not sure whether the second suite you bought here is a new house or a second-hand house. The down payment of new houses and second-hand houses is different, and the problems are different.

A down payment on a new house

The down payment for buying a new house must be 30% of the contract price signed with the developer. Only after paying 30%, the developer will give you a receipt for the down payment, and the bank can apply for a loan only after seeing the receipt.

If the down payment is not enough, there are several ways to deal with it.

1. Now this suite has been mortgaged.

If you buy this apartment with a mortgage loan now, you can make a decoration loan or a house surplus value loan, at least 30% to meet the down payment of your second apartment.

If you don't have a mortgage loan for this apartment now, you can use a mortgage loan and borrow a little more, so that after you pay the down payment, you can use the remaining mortgage loan to repay the monthly payment, and you can also appropriately reduce the repayment pressure.

When making a mortgage loan, where can I borrow some money first, pay the down payment for the second home first, and then make a mortgage loan after the second home loan application, so that your second home loan application is easy to review; The best way is to stop the application for mortgage and second home loan at the same time.

It should be noted here that the mortgage and monthly payment have to be paid back to the bank for several months a month. You should make it clear in advance, and don't break the confession.

(2) The credit card is temporarily cancelled.

It is very convenient to apply for a housing credit card. Then you can use your credit card to temporarily reverse the down payment, and then pay back the credit card money when your other funds are in place.

If your credit card limit is not high, you can use as much as you can, even if it is not enough, you can properly handle some of it.

It should be noted here that when you use a credit card to pay the down payment, you should borrow some money from your relatives and friends first, and then take out the credit card to repay the loans of your relatives and friends after the loan application is passed, so that your mortgage application bank can pass smoothly.

If you pay the down payment by credit card at the beginning, the debt on the credit card will be relatively large, and this debt is recent. This bank will reject your application for a second home loan when it sees your situation.

(3) Borrow from relatives and friends as appropriate.

Borrow as much as you can. It is better to have something than nothing, even if it is small, it can properly handle some problems.

Here to deal with the problem of insufficient down payment, it is best to use the first option, mortgage the current suite to the bank, and then lend it out to pay the down payment.

Second-hand house down payment

Second-hand housing down payment must be evaluated by the bank to determine your loan amount, and the price of this evaluation is lower than the transaction price. So generally speaking, buying a second-hand house has more down payment than buying a new house, but there are ways to deal with it.

The solution is that you need a few down payments, and you can take the down payment out of the bank loan.

How to get a loan? At the time of purchase, the intermediary will communicate with the evaluation company, and make an appropriate evaluation of the suite you purchased at the time of evaluation, so that your down payment can be directly borrowed from the bank, and the problem of insufficient down payment can be solved.

For example, the price of this suite you bought is 6.5438+0 million, and the normal evaluation of the bank is about 900,000. If the normal down payment is 30%, it will be 370,000.

If you only have 65,438+10,000 in hand and a down payment of 270,000, how can you get this 270,000 directly from a bank loan?

The house price is 6,543,800+0,000, and the appraisal company evaluates it as 6,543,800+0,000, so you can borrow 9,654,380+0,000 from the bank, and add 6,543,800+0,000 in your hand, which is exactly 6,543,800+0,000 to buy this suite.

The down payment for buying a second-hand house can also be handled with the down payment for buying a new house. The first suite can be mortgaged, the credit card can be temporarily eased, or some can be borrowed from relatives and friends appropriately; Or a combination of several methods to see which method is easy to deal with your problem.

Pay attention to two problems.

No matter how you handle your down payment, you should pay attention to two issues:

(1), the mortgage application should be smooth.

The mortgage loan application for your second suite must be smooth, otherwise you can't buy a second house, which requires your own conditions and must meet the requirements of the bank.

The most important credit information, running water, liabilities, etc. Must meet the requirements of the bank. If you are not sure whether you can meet the requirements of the bank, you can find a property consultant for your reference or an experienced second-hand housing agent to judge.

(2) Carefully calculate the monthly supply and don't cut off the supply.

If the first suite is a mortgage loan, then you have to repay the monthly mortgage loan and the mortgage loan of the second suite. How much will the monthly mortgage loan be, and whether your income can meet the monthly mortgage loan requirements?

In addition, if you buy a second-hand house, if you need to borrow money from the bank for the down payment, then your monthly payment will be more, and your income will at least double the monthly payment.

We must pay attention to these two problems when buying a second suite with a loan. The monthly payment is quite large, so don't cut it off.

From the above analysis,

There are several ways to deal with insufficient down payment. See which way suits you, or use two or three ways together to solve the problem of insufficient down payment.

When dealing with the down payment, you should also consider that the monthly payment is relatively large. Don't give up halfway, otherwise all your efforts will be in vain.