According to the housing loan policy of Wuxi, the down payment of housing loan in Wuxi is as follows:

1. Commercial loan: 30% down payment for the first suite and 70% down payment for the second suite.

2. Provident fund loan: the minimum down payment for the first suite with an area of no more than 90 square meters can reach 20%, and the down payment for the first suite with an area of more than 90 square meters can reach 30%. Buy a second suite with a down payment of more than 40%.

3. For the third suite, the bank that needs a loan may not approve the loan according to the house price.

What other expenses do you need besides the down payment?

1. deed tax: the object of deed tax collection is the real estate whose ownership has changed, and the property tax needs to be paid by the property owner. The collection standard of deed tax seems to be mainly divided according to the area of the house. Before the implementation of the New Deal, there were two main thresholds for deed tax collection, namely 90 square meters and 140 square meters. After the implementation of the New Deal, the collection of deed tax has been simplified, directly taking 90 square meters as the boundary. For buyers who want to buy the first suite 140 square meters or more, the implementation of the new deal can save a lot of money.

2. Housing maintenance fund: Housing maintenance fund refers to the overhaul, renewal and transformation of residential parts and facilities after the warranty period expires. Tax rate: 2% of the transaction price of the house. Special note: No developer or property company has the right to collect or collect overhaul fund.

3. Property management fee: Everyone has to pay the property management fee. At present, most real estates will hire specialized property companies to manage the residential areas after they are closed, but we should pay attention to the fact that there may be a big gap in the property fees of different real estates, but generally speaking, the property fees are not a small sum. Property management fees are usually calculated from the time when the buyers close the house.

4. Decoration cost: Although many developers have launched houses with decoration, there are still many buyers who buy blank houses at present. We know that buying a rough house needs to be decorated by ourselves, and the decoration cost can be said to be a big expense besides the down payment. When decorating a house, many people will lament that the decoration is really expensive, so it is very important to prepare the cost of decorating the house in advance.

5. Renovation deposit: If the house structure is not damaged due to renovation and the normal residence of others is not affected within the agreed time after renovation, the renovation deposit can be returned in full. If the buyer has no decoration plan in the short term, he can negotiate with the property management company to postpone the payment of the decoration deposit.