According to the policy of buying a house by loan, the down payment for buying a house by loan is generally 30%. At present, the minimum down payment ratio of the first suite in Beijing and Shanghai is 35%; The minimum down payment ratio of other restricted cities is mostly 30%; Some cities are not limited to purchase, and the minimum down payment ratio is mostly 20% ~ 30%. New house loans do not need to be evaluated, and the loanable amount is generally calculated according to the transaction price. Property buyers can prepare according to the local loan policy.

The down payment ratio of second-hand housing loans is the same as that of new houses, but the biggest difference is that second-hand housing loans generally adopt the evaluation price, which is generally only 80%-90% of the transaction price, so the loan amount of second-hand housing is lower than that of new houses, and the down payment is higher.

The down payment of some houses is calculated according to the loan amount, as long as it accounts for 30% of the total house price, but there are also loan problems. For example, for a house with a total house price of 6,543,800 yuan, if the provident fund loan is adopted, both husband and wife can borrow up to 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan.

You need to examine your family income and repayment ability to see how much money you can borrow. The total house price MINUS the loan amount is the down payment.

How does the provident fund borrow money to buy a house?

1. When applying for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information: the deposit certificate of housing provident fund of the applicant and spouse; Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

2. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; Valid documents such as purchase contract and agreement; Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; Other information required by the provident fund.

3. For the loan application with complete information, the bank will accept and review it in time and submit the provident fund in time. The provident fund is responsible for approving loans and informing the bank of the approval results in time.

4. The bank shall notify the applicant to handle the loan formalities according to the approval result of the provident fund. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund for review. After the provident fund is approved, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.