Therefore, if people want to make up the down payment on mortgage by using credit cards, the risks are still quite large in terms of policies, new banking regulations, repayment pressure of users, etc. Buyers should know clearly in advance whether the policy of the place where they buy the house is allowed and whether the real estate agent supports it.
how much is the down payment for buying a house?
1. The down payment algorithm for the first new house is stipulated.
According to national regulations, as long as it is the first house, the down payment cannot be less than 3% of the total house price. For example, if you want to buy a house worth 1 million yuan, then your down payment should be at least 1 million * 3% = 3, yuan.
2. How to calculate the down payment for buying a house? Calculate the down payment according to the loan amount
Although there are regulations that only 3% of the total house price is required, there is still a loan problem. For example, for the above-mentioned house with a total house price of 1 million yuan, if the provident fund loan is adopted, both husband and wife can borrow up to 45, yuan, then the rest of the house price must be paid down, that is, 1 million yuan-45, yuan = 55, yuan, that is, the down payment is 55, yuan.
if you use commercial loans, you need to check your family income and repayment ability to see how much money you can borrow. the total house price MINUS the loan amount will also require a down payment.
3. The down payment for buying the second suite is more.