If you buy a second-hand house, the down payment is calculated according to the evaluation value of the house. The evaluation price of second-hand houses is a value obtained by banks after evaluating second-hand houses for risk consideration. The general evaluation value is about 80% of the actual transaction price of second-hand houses. The calculation method of second-hand house down payment is: the net down payment is equal to the actual transaction price MINUS the customer loan amount.

What if the down payment for buying a second-hand house is not enough?

1, use of provident fund

If property buyers do not use provident fund loans, they can also withdraw the money from their personal provident fund accounts for use. However, the amount in the personal provident fund account is generally not too much. If the provident fund is used to subsidize the down payment, it is more suitable for some buyers with small gaps. Property buyers can withdraw the balance from the provident fund account after paying the down payment.

Step 2 use a credit card

At present, most people have credit cards, and some people have multiple credit cards. If property buyers encounter insufficient down payment when buying a house, they can also consider subsidizing down payment with a credit card. However, property buyers should pay attention to the fact that the credit card limit is generally only tens of thousands, and the interest on credit cards is relatively high, which is only suitable for short-term borrowing. Buyers should pay attention to weigh the pros and cons.