What is the minimum down payment percentage for buying a house, and how many years is the longest an

30% of the down payment for the first home

The down payment on a house is generally more than 30 of the total price of the house.

First time using a CPF loan.

For the purchase of the first house with a floor area of less than 90 square meters or the purchase of affordable housing in accordance with the regulations.

family, the down payment ratio is not less than 20; For families who purchase their first home with a floor area of more than 90 square meters, the down payment ratio is not less than 30, and the provident fund loan must be paid continuously for more than 12 months and is still in continuous deposit at the time of the loan.

If you use a bank loan, the minimum down payment is 30% of the total house payment. In the case of a loan to buy a second house, the down payment ratio of the loan shall not be less than 40%, and the loan interest rate.

It must not be lower than the benchmark interest rate.

of 1 1 times; For loans to purchase a third or more houses, banks basically do not apply for them.

Precautions

1. Be sure to check whether the developer has a pre-sale license for commercial housing.

With a permit, it means that the developer has a land use certificate and a planning permit for construction land.

Construction project planning permit, etc., which is an important document for whether you can apply for a property right certificate when buying a house. In addition, when purchasing, you need to pay attention to whether the purchased building number is within the pre-sale range.

2. Be sure to pay attention to whether the contract is standard as a house sale contract.

When signing the contract, it is necessary to use the standard housing sales contract text printed by the real estate management department consistently, and fill in the clauses one by one in accordance with the terms listed in the contract text. Remember! Don't be careless.

3. Be sure to pay attention to whether the rights and responsibilities in the content filled in by both parties in the contract terms are equal, and some developers' contract texts will be filled in in advance, and even supplementary clauses have been filled in, so buyers should be vigilant in this situation!

The down payment is the first down payment when buying a house, and the amount should generally be more than 30% of the total price of the houseGenerally, for the purchase of the first house, there are two situations of down payment ratio: 1. First, if the provident fund loan is used for the first time, the down payment ratio shall not be less than 20% for the family that purchases the first house and the construction area of the unit is less than 90 square meters or purchases affordable housing according to the regulations; For families who purchase their first home with a floor area of more than 90 square meters, the down payment ratio is not less than 30, and the provident fund loan must be paid continuously for more than 12 months and is still in continuous deposit at the time of the loan.

2. If you use a bank loan, the minimum down payment ratio is 30% of the total housing payment.

A 30% down payment is required to buy a house.

In accordance with the relevant provisions of the "Notice of the General Office, the Ministry of Construction and Other Departments on Adjusting the Housing Structure and Stabilizing the Housing Opinions", the housing consumer credit policy will be appropriately adjusted differently. In order to curb excessively rapid housing prices**, from 1 June 2006, the down payment ratio of individual housing mortgage loans shall not be less than 30%.

Taking into account the housing needs of low- and middle-income people, the down payment ratio of 20% is still implemented for the purchase of owner-occupied housing with a floor area of less than 90 square meters. Guarantee low- and medium-priced, small and medium-sized ordinary commercial housing land**. Urban people at all levels should prepare annual land use plans and scientifically determine the scale of land for real estate development.

Priority should be given to ensuring that the land for low- and medium-priced, small and medium-sized ordinary commercial housing and low-rent housing shall not be less than 70% of the total amount of residential land; On the basis of the limited set type and limited house price, the method of bidding for land price and house price should be adopted to determine the development and construction unit by bidding.

The amount of the down payment is determined according to the country's policy at the time. For example: a 30,000 yuan square house, a 100 square meter house is 3 million. Then, the down payment of 20% is 600,000, the down payment of 300,000 is 900,000, and the down payment of 40% is 1.2 million.

The specific proportion of down payment for buying a house is mainly divided into two situations: (1) commercial loan. Generally, the first house is 3 into a down payment, the second house is 4-6 into a down payment, and the third house is not given a loan; (2) Provident Fund Loan.

Generally, the first set is 3 into the first set, the second set is 4 into the second set, and the third set is forbidden to lend. Regardless of the type of loan, the down payment ratio for the first home is the same across the country. However, the down payment ratio for a second home is different in different cities.

The down payment is the first advance payment when buying a house, and the amount should generally be more than 30% of the total house price

1. For those who use the provident fund loan for the first time, the down payment ratio shall not be less than 20% for families who purchase the first house with a construction area of less than 90 square meters or purchase affordable housing according to the regulations; For families who purchase their first home with a floor area of more than 90 square meters, the down payment ratio is not less than 30, and the provident fund loan must be paid continuously for more than 12 months and is still in continuous deposit at the time of the loan.

2. If you use a bank loan, the minimum down payment ratio is 30% of the total housing payment.

In the case of a loan to purchase a second house, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be lower than multiple of the benchmark interest rate; For loans to purchase a third or more houses, banks basically do not apply for them.

After the concept of mortgage loans was invented by real estate merchants, buyers were no longer worried about the total purchase price, but also about raising a down payment on the house. So, what percentage of the total payment for buying a house usually accounts for the down payment? Let's take a look at the wheel.

1. What is the general down payment for buying a house?

According to the relevant policy requirements of China, the minimum down payment ratio required to purchase the first home in the unrestricted area is generally 20%, and the minimum down payment ratio required to buy the first home in the restricted area is generally 30%. The minimum down payment required to purchase a second home is 50%. If you buy more than two sets of real estate, you need to implement it according to the rules set by the relevant banks in various places, and you can also not take out a loan.

Second, a few precautions for the down payment.

1. The down payment is not loanable.

When applying for a mortgage loan, you first need to determine what the total price of the property is, so as to calculate the down payment according to the requirements of the national and local bank policies.

2. You can pay more for the down payment.

When applying for a home mortgage loan, the down payment is only required to pay the minimum down payment percentage. If the buyer still has money in hand, he can also pay more down payment, which will reduce the proportion of bank loans and reduce the payment of bank interest, of course, it mainly depends on how the buyer chooses.

3. The down payment varies from person to person.

There are many factors involved in the amount of down payment payment, usually the People's Bank of China will formulate a minimum standard for the down payment of housing loans, and other factors are mainly reflected in the purchase restriction city, non-purchase restriction city, the difference in the policies of major banks, etc., so the down payment payment is different from person to person.

Summary: The above is the answer to the relevant content of "how much is the general down payment for buying a house", I hope to bring some reference help to friends in need. If you need to know more about housing loans, please continue to pay attention to other relevant information on Qeeka Home.

If you apply for a personal commercial housing loan and buy your first house, the down payment is generally about 30%.

Of course, the regulations may vary from region to region and from bank to bank, so it is recommended to consult the local branch for details.

For example, Shanghai stipulates that the minimum down payment ratio for the first housing commercial loan is 35%.

If you apply for a personal housing provident fund loan, if the construction area does not exceed 90 square meters, the down payment only needs to be paid for two years; If the construction area is more than 90 square meters, the down payment can be 30%.

There is a minimum down payment of 40% for a second home loan.

Of course, many banks will float to a certain extent on this basis, some need to pay 50% or 60%, and some even as high as 70%.

It should be noted that if you have enough funds in hand, you can add to the minimum down payment ratio stipulated by the bank to reduce the loan amount, and it will be easier to approve.

If the online loan itself is non-compliant, then the overdue online loan will not have much impact on the personal credit status. However, your online loan records will be retained in the online loan big data. You can check your online loan history through "Know Check", including details of overdue online loans, debt arrears, information on dishonesty, and whether you have been blacklisted for online loans.

Extended Information: What kind of personal information does the mortgage bank check for the purchase of a house?

When buying a house and applying for a mortgage loan at the bank, the bank will generally judge whether it has sufficient ability to repay the principal and interest of the loan on time based on the identity certificate (copy of resident identity document), residence certificate (copy of local permanent residence book or temporary residence card), income certificate (bank statement, salary slip) and other information to understand the identity information, educational background, marital status, residential address, work unit, income situation, etc.

In addition, the bank will also check the credit report to understand the credit status and see whether its credit is good (mainly to review the credit record in the past two years); and whether there is a phenomenon of multiple loans, and whether there is a phenomenon of multiple loans according to the borrowing situation shown in the credit report, and whether the credit information is "spent" or not.

Only by confirming that the credit standard is up to standard, can the mortgage be successfully approved.

If you find that your credit is not good; Or if you have too much debt and can't repay on time, your mortgage will most likely be rejected.

The minimum down payment for the first home is 20%, and some cities stipulate a minimum of 30%, so the down payment for the first home is between 20%-30%. If you apply for a provident fund loan, if the floor area of the unit is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total price of the house. If the purchase floor area is more than 90 square meters, the minimum down payment is more than 30%.

Business loans generally require a minimum down payment of 30%.

Preferential policies for the first home.

1. Preferential policies for loans for the purchase of the first home:

Below 90 square meters, you can borrow up to 8 percent, and the interest rate will drop by 20-30%, and above 90 square meters, you can borrow up to 7 percent, and the interest rate will drop by 20-30%.

2. Procedures required to buy a first-hand house with a loan:

The borrower's and spouse's identity certificate, work or business certificate, income certificate, first home certificate, housing purchase contract, agreement or other valid documents, housing purchase down payment voucher and other materials required by the bank.

3. The first house, that is, the "first house", if the buyer and his spouse have no real estate in their names, it can be regarded as the "first house", if they are unmarried, they must reach the legal age of marriage before they can be regarded as the "first house". Some local policies stipulate that single men must be at least 30 years old, single women must be at least 28 years old, and single individuals under the specified age who buy a house are counted in the family house purchase, and if the parents have a house, it is not considered a "first home".

Precautions for buying a house with a loan.

1. Prepare funds to buy a house: Buying a house requires a large amount of money, even if it is a loan to buy a house, buyers also need to prepare sufficient funds for buying a house, and buyers should have a full understanding of their financial situation and family expenditures, and do what they can. In addition to the payment that must be paid, deed tax, house maintenance**, renovation costs, property costs, etc. need to be reserved.

2. Understand real estate policies and legal knowledge: Different cities have different requirements for the real estate market, whether it is a loan to buy a house or a full purchase house, buyers should have an understanding of the city's purchase restriction policy and loan interest rate before buying a house.

3. Choose a good loan method: You should first understand the different loan methods and repayment methods, and choose the loan method, loan amount and time and repayment method, which can reduce the cost of loans, which requires everyone to make reasonable arrangements according to their different economic conditions.

When buying a first house, the down payment is generally 20%-30% of the total house price, and according to local regulations, it is now generally 30%.

Generally, you have to pay up to 20%, which is the least requirement.

In the case of a personal housing loan from China Merchants Bank: 1. The minimum down payment ratio of the "first house" is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (the adjustment is not less than 25% in cities that do not implement the "purchase restriction"); 2. The minimum down payment ratio for "second homes" is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.

The specific amount you can borrow needs to be submitted by you to submit relevant information, and the branch can only be determined after review, and you can directly contact the personal loan department of the local branch for consultation.

This is not a one-size-fits-all approach, it depends on a series of factors such as how many houses and so on to determine the down payment.

Under normal circumstances, the down payment should be, if it is 200,000, it should be 60,000 or 70,000 yuan, and in this case, it should be more than 40%. In different places, the down payment for different houses is also different, and with housing **,