How much is the down payment and monthly payment for a house of more than one million?

To buy a house worth 1 million, you need to prepare at least 300,000, and the down payment required is different in different regions and different scenarios, monthly payment.

It's about 5,000 yuan. Let's take the down payment that most homebuyers need to borrow money to buy a home.

Typically, buying your first home.

The down payment ratio is 30 of the total house payment, and the purchase limit will be higher in the city, so if you buy a new house, the down payment needs to be prepared at least 300,000 yuan.

If you buy a second-hand house, the calculation of the down payment is the same, and the calculation of the down payment of the second-hand house also involves an appraisal value, and the appraisal value of the second-hand house is generally 80 of the transaction price, that is, 800,000. The bank's loan stipulates that the loan amount of the second-hand house is 70, that is, 560,000. Then the down payment required to buy a second-hand house is 1 million for the total house price and the loan amount, which is 440,000.

If you are planning to take out a loan through China Merchants Bank: The specific monthly payment also depends on your loan execution interest rate, term and repayment method, which can be calculated through the official website of China Merchants Bank or mobile banking, and the trial calculation results are for reference only.

Mobile Banking: Log in to Mobile Banking, click My - All - Assistant - Financial Calculator - Loan Calculator Mortgage Loan Calculator (Tips: You can choose different repayment methods to calculate the loan principal and interest);

China Merchants Bank homepage: After logging in to the homepage of OneNet, select [Financial Instruments - Personal Loan Calculator] in the middle of the page to try to calculate the monthly loan payment.

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In daily life, when young people have spare money in their hands, they generally choose to buy a house. Because there is a lot of room for appreciation in the house. However, if you don't have enough money to buy a house, you can only choose to take out a loan to buy a house.

So, how much is a down payment of 30 per month for a million house? Let's find out together!

1. How much is a down payment of 30 per month for a million house?

Equal principal and interest method: loan principal: 700,000 yuan, assumed annual interest rate:

Loan term: 30 years, the monthly repayment of principal and interest is: yuan, and the total repayment amount with principal and interest is:

Yuan, total interest payable: Yuan. The interest repayment for the first month is:

Yuan; The principal repayment amount in the first month is: RMB, and then the monthly interest repayment amount decreases and the principal repayment increases.

2. How much is the down payment of 1 million for buying a second house?

1.If you are not buying a first home, but a second home in your life, the down payment is 50% of the total price of the home. If the total price of the house is $1,000,000, then the down payment will be $500,000.

2.In fact, when buying a new house, we should calculate the down payment according to the loan amount and proportion. If you are buying a second-hand house, then you must negotiate the down payment ratio with the landlord when making a down payment, but the premise is that it cannot be lower than the down payment ratio, that is, it must be greater than 30% of the total price of the house.

3.Finally, in order to allow consumers to buy houses, many real estate developers will introduce some preferential policies to buy houses. For example, 30% of the state's regulations on buying a house cannot be changed, but at this time, the developer will pay you a sum of money and let you settle down on the house first.

For example, for a house with a total price of 1 million yuan, the down payment must be 300,000 yuan, but some developers will propose preferential policies that allow you to pay 20% of the down payment first, and the remaining 10% of them will pay in advance, but the owner must pay off the down payment within one year.

Summary: The above has introduced you to the relevant content of a down payment of 1 million houses for 30 per month, and I hope to give you some small help. If you want to know more about the down payment for buying a house, you can continue to lock in our **!

2 million for a house, down payment of 30% if according to the equal principal.

Housing repayment methods. If you want to pay it all within 10 years, then you have to pay it all every month, and if you want to pay it all within 30 years, then you have to pay it all monthly.

It's meta. Similarly, if the repayment is made in equal amounts of principal and interest.

If you repay the loan within 10 years, then you will pay in the first month. Then gradually decrease every month, if the lead ruler has to be repaid in 30 years, you need to pay a monthly amount and then decrease month by month.

Extended Materials

Can't get a down payment refund for a house loan?

According to the regulations, the contract for the sale and purchase of commercial housing.

It is agreed that if the buyer pays in the form of a secured loan but fails to conclude a loan contract secured by the commodity housing due to the reasons of one of the parties, resulting in the inability to continue to perform the contract for the sale and purchase of the commercial housing, the other party may request to rescind the contract and compensate for losses.

If the contract for the sale and purchase of the commodity Huaifu house cannot continue to be performed due to matters not attributable to both parties or the failure to conclude a loan contract secured by the commercial housing, the parties may request to terminate the contract, and the seller shall pay the principal of the purchase price and its interest or deposit received.

Return to the buyer.

Therefore, whether it is the purchase contract caused by the lack of approval, the slow disbursement of loans, the insufficient amount, etc.

If you can't continue to perform, the down payment is refundable. Of course, in addition to the refusal caused by the buyer's own untrue information or bad credit.

Can I still apply after my mortgage application is denied?

This also depends on the situation. Here are three scenarios:

1.Credit issues.

If your mortgage application is rejected because of personal credit issues, it will be difficult to apply for a loan in this case. Because every bank has similar strict requirements for credit issues.

2.Policy issues.

If your mortgage application is rejected because of the current mortgage market, policies, etc., then don't worry, because you have the option to try again after a while. At least wait for about half a year after the policy.

3.The information is incomplete.

If your mortgage application is rejected because of incomplete documentation, don't be discouraged. Because when you have prepared all the information for the second loan application, you can usually get a loan.

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Many people choose to take out a loan to buy a house, and although they have to repay the mortgage every month, the pressure will not be so great, so they are favored by everyone. So how much is the down payment for a house of 1 million? Let's take a look.

1. How much is the down payment for a house of 1 million.

If the house is the first house, then its down payment is 30% of the total house price, that is to say, the down payment of 1 million house is 300,000. If the purchased house belongs to the second house, according to the relevant regulations, its down payment should be higher than that of the first house, and the down payment ratio should not be less than 50%, and the down payment for a house of 1 million yuan should be at least 500,000 yuan.

2. What do you need to pay attention to when buying a house and making a down payment?

1.Verify the developer's five certificates.

When paying the down payment, you should first check the developer's five certificates, which include land use certificates, commercial housing pre-sale permits, etc., and under normal circumstances, as long as you have these two certificates and other certificates, there is no problem. Secondly, when checking these documents, you should look at the original, not the photocopy, to avoid being deceived.

2.Pay attention to the terms of the contract.

When signing the purchase contract, the contract must be standardized, and it can be obtained and printed on the local property**. Secondly, you should read carefully before signing, and each clause should be carefully reviewed to avoid clauses that are harmful to your own interests.

3.Clarify the delivery time and liability for breach of contract.

The contract should indicate the time of delivery, and the end of a certain month and a certain year should be clearly remarked to avoid the developer from playing word games after late delivery. Secondly, the contract should also indicate how to compensate for liquidated damages, etc., and the issue of liability for breach of contract is in place.

4.Confirm the terms of pricing method and payment method.

Before making a down payment, check out how the price is calculated and how the total price is paid, as well as what the terms of the payment are. Therefore, the contract should indicate the ** per square meter, such as other expenses, such as gas, plumbing and other expenses, should also be clearly indicated, and how to pay for the house should also be clearly marked.

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The down payment for a house of 1 million is 300,000, because the minimum down payment ratio is 30%, which means that the loan amount is 700,000. If you want to calculate the monthly payment, then you also need to look at the time of the loan, assuming that the time of the loan is set at 30 years, the interest rate of the loan is, and the repayment method of choosing or selling is the equal principal, then calculated, the monthly payment amount of Wu Tuo is 3430 yuan per month. However, in the actual loan process, the interest rate of the loan is related to many factors, and the longer the loan term, the higher the interest rate will naturally be, and the more you will pay.

In addition, when taking out a loan, you must also take into account factors such as the way of repayment of the group payment.

The down payment on a house is generally 30%, but this 30% is only a minimum down payment ratio, and if you have enough money, the more down payment you give, the better. When you take out a loan to buy a house, you must first pay a down payment of no less than 30%, and then the remaining part can go to the bank to apply for a loan. However, when applying for a loan in the bank, the corresponding conditions must also be met, for example, the personal credit can not be problematic, the personal capital base must be good, and the real estate approved by the bank needs to be used as collateral.

Of course, the down payment on the house can be overpaid, and if your own funds allow, the more you can give the down payment on the house, the better, so as to save more interest. The minimum down payment for a house is 30%, but there is no maximum down payment for a house.

The above is about the content of the down payment of more than 1 million houses, how much is the monthly payment, and the minimum down payment is 30%, that is, the minimum down payment of 300,000 yuan is required. If you borrow 700,000 yuan, the monthly payment amount that needs to be repaid to the bank every month is 3,430 yuan at the interest rate.

If you take out a loan through China Merchants Bank, you still need to look at your loan execution interest rate, repayment method, term, etc., which can be calculated through the official website of China Merchants Bank or the mobile banking monthly loan payment test book, and the trial calculation results are for reference only.

Mobile Banking: Log in to Mobile Banking, click My - All - Assistant - Fortune Calculator - Loan Calculator;

China Merchants Bank Homepage: Home Financial Instruments - Personal Loan Calculator in the middle of the homepage.

Enter information such as the loan amount, annual interest rate, loan term, and repayment method selected, and try to calculate the monthly loan payment amount and interest.