With the rise of housing prices, it is difficult for most families to buy a house in full, so many buyers will choose loans to buy a house, but loans to buy a house require a down payment. How much is the down payment for a 4 million house in Beijing? What if the down payment for buying a house is not enough? Let's take a look with Bian Xiao!

1. How much is the down payment for 4 million houses in Beijing?

To buy the first suite in Beijing, the house area is more than 60 square meters, and you need to pay 30% of the total house price as a down payment. If it is a 4 million house, the down payment is 6.5438+0.2 million. If you buy a second suite in Beijing, you need to pay 60% of the total house price as a down payment, then the down payment for a 4 million house is 2.4 million.

Second, what if the down payment for buying a house is not enough?

1. If the down payment is not enough when buying a house, you can use the housing provident fund. At present, most companies will pay the housing provident fund for their employees, and buyers can withdraw the balance from the housing provident fund account first, because many cities allow buyers to withdraw the housing provident fund to pay the down payment when buying a house to solve the urgent need.

2. If you own other real estate, you can get a loan by mortgaging the old house and pay the down payment with the loan. This is a common way for buyers, because the amount of loans obtained in this way is relatively large, but buyers need to repay two loans at the same time, which is very stressful.

3. You can also use a credit card when the down payment for buying a house is not enough, but this method is more suitable for situations where the funding gap is not very big, for example, only 10,000 to 20,000 yuan, because the interest cost generated by this method is very high, and if you don't repay it according to the specified time, it will also affect your personal credit information.

Summary: The relevant contents of down payment for 4 million houses in Beijing are introduced here for everyone, hoping to help friends in need. Under normal circumstances, buyers will determine whether they have enough purchasing power before buying a house, but there are also cases where some buyers are beyond their affordability when choosing a house. In this case, you can try the above methods to solve it.

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