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Everyone wants to buy a house of their own according to their own ability, but with the rising house prices, it is difficult for most families to buy a house in full, so more and more people choose to buy a house with loans. Can 654.38+ 10,000 people buy a house? What if the down payment for buying a house is not enough? Let's take a look with Bian Xiao!

1. Can I buy a house with 6,543,800+on hand?

10 can't buy a house, it depends on the traffic conditions, geographical location and surrounding facilities. If you plan to buy a house in a remote town, you can buy a house with a down payment of100000, but if you plan to buy a house in the central city, it is basically impossible to buy a house with a down payment of100000. In addition to the down payment, you also need to prepare taxes, public maintenance funds and early property fees, with at least 350,000 on hand.

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

1. If you are short of funds, have a stable job and income, and have a good credit record, you can apply for a credit loan. However, after applying for a house purchase loan, the applicant needs to repay the credit loan in addition to the principal and interest of the loan, and the repayment pressure is very great.

2. In the case that the house price has exceeded the purchase budget, you can consider lowering the purchase standard and choosing a house with a smaller area or a smaller location, that is, choosing a suitable house in combination with your own economic situation. There is no need to add too much economic pressure to yourself and your family in order to buy a house.

If you have many relatives and friends and have a good relationship with you, you can consider asking them for help. However, before borrowing money from relatives and friends, we must measure the financial situation of relatives and friends, sign a formal debit note with the other party, and repay it in time when the funds are sufficient, so as not to affect the feelings between relatives and friends.

Summary: I have introduced the relevant contents of buying a house for 6,543.8+10,000 yuan here, hoping to help friends in need. In the process of buying a house, buyers can choose to borrow money to buy a house, but they need to pay a down payment, which shall not be lower than the minimum standard of down payment. It is recommended to make a budget before buying a house.

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How can I buy a house with only 65,438+10,000 in my hand?

You can borrow money to buy a house.

If you only have10,000 cash and want to buy a house, customers can go to the real estate developer to choose a suitable building and an affordable housing. The housing area should not be too large and the total price will not be too high. Then use this100000 yuan to pay the down payment of the house, and then go to the bank to apply for a mortgage, so that the approved loan funds can be used to pay the remaining house payment.

It should be noted that the down payment ratio of mortgage is generally not less than 30% (for example, for a house with a total price of 450,000, the down payment should be at least150,000). If100000 is not enough to pay the down payment, you can borrow some money from your parents, relatives and friends around you to raise enough funds to pay the down payment.

When paying the down payment and going to the bank to apply for a mortgage, customers should pay attention to preparing sufficient materials such as personal economic income, assets and financial resources (the bank flow provided is generally not less than twice the monthly payment); Individuals must maintain good credit. Otherwise, personal credit is not good, or there is not enough repayment ability, and the mortgage will not be approved smoothly.

Precautions:

10 can't buy a house, it depends on the traffic situation, geographical location and surrounding facilities. If you plan to buy a house in a remote town, you can buy a house with a down payment of100000.

However, if you plan to buy a house in the central city, it is basically impossible to buy a down payment of100,000, and besides the down payment, you need to prepare taxes, public maintenance funds and preliminary property fees, and you must have at least 350,000 yuan on hand.

How can I buy a house with only 65,438+10,000 in my hand?

Mortgage loan with collateral: the borrower can obtain a loan by mortgaging fixed assets, and then use the obtained loan to pay the down payment of the house. But you can't borrow a large amount of loans, so as not to cause the house to be unable to apply for mortgage repayment because of excessive debt.

Down payment installment: Some developers will launch an activity called down payment installment. The down payment installment means that the purchaser pays part of the down payment according to a certain proportion and signs a loan contract, and then makes up the remaining down payment within a certain period of time. The down payment made by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, stipulating the installment repayment time and related liability for breach of contract.

Extended data:

Precautions:

Buy an existing house or a quasi-existing house as much as possible. This can avoid many risks, such as high windowsill, clear height, unreasonable balcony design, pipeline equipment layer, unfinished house and other quality problems.

According to the law, the developer's commitment in the loushu or advertisement is written into the supplementary agreement. If the developer does not agree to write, you can prepare a small tape recorder in advance to record the verbal commitment of the developer.

When signing the contract, in accordance with the law, a property management agreement was also signed to prevent the property management fee from changing when moving in.

What real estate can 65438+ ten thousand buy?

Shangtaofu

How to buy a house with only 65,438+10,000 in hand (women have 65,438+10,000 deposits to buy a house)

Answer in 2022-11-11.

65438+ ten thousand yuan can buy a small house.

The premise is to meet the requirements of the local purchase policy and determine the purchase of the first suite. Judging from the current situation, as long as you are sure to buy the first suite, you can use 65438+ 10,000 yuan as the down payment, and it is expected to pay off the loan in 30 years.

Second, you can only choose small houses: 70-year-old residential apartments with only 30~60 square meters, or 70-year-old old houses with 50 square meters in the 1990s, or commercial and residential apartments, or small property houses in the village.

Suitable target: young unmarried women, single people who are eager to work independently and have low salary; The family is poor, and the relationship between mother-in-law and mother-in-law is not harmonious. Don't be an old man despised by his children and daughter-in-law.

Vision: Go to the central counties, such as Hunan, Hubei, Henan, Jiangxi, Anhui and other places. Southwest can go to the county seat under Guangxi, Sichuan can go to the county seat in southern Sichuan, and northwest and northeast can bypass their county seats. For example, a 300,000 house in Hegang can buy a 70-80 square meter house with a 70-year property right.

Southerners still stay in the south.

If you are a southerner and there are no special circumstances, it is still not recommended to buy a suite of 654.38 million yuan to settle in those small places in the northwest and northeast. Because the overall conditions such as climate and economy are relatively poor, it is recommended that people with poor economic conditions or ordinary southerners stay in the central region. Although the economy, culture, science and technology and education in this area are not as good as those in the Yangtze River Delta, Pearl River Delta and coastal first-tier cities, on the whole, the economic level in most parts of central China is still passable. The comprehensive management of culture, education, medical care and public security in these saved counties and cities can still meet the needs of the people. Being able to enjoy the land of plenty in the south is also a happy thing for ordinary people. Make good use of 654.38+ten thousand yuan. 65,438+10,000 yuan, you can buy an apartment with 70 property rights and 45 square meters in the nearby county town: a house facing south, with kitchen, bathroom and balcony to dry clothes. The average price of north-south permeability is about 6,000 yuan, and 50× 6,000 = 300,000 yuan. You can also choose to buy an old house with a property right of 60 square meters in the early 1990 s, or you can find a two-story commercial and residential apartment with an attic of about 30 square meters in the non-central area of second-tier cities. The average price is estimated to be around 9,000 yuan, and you can also buy a 60-square-meter house in a village in a second-tier city. But this small property right house can only be used for living, not for investment and trading, because there is no property right certificate.