If you want to buy a commercial house, what method to repay the loan and how much is the down paymen

A down payment of 200,000 is sufficient. There's no need to make yourself nervous.

Then take out a loan of 150,000 yuan for 20 years, with an average monthly payment of less than 1,200.

There is no pressure on such repayment, that is, the interest is more. But then again, what was the concept of 100 yuan 10 years ago, and what is the concept now?? But your repayment amount is basically the same.

So, repay the loan slowly, don't let the loan affect your life. After 5 years, when the funds are abundant, I will pay back more.

The loan can be repaid early after one year. So it is recommended to do the idea of taking out a loan for 20 years and repaying it in 10 years!

Add-on: The combination of the two is a popular way to borrow money, and the relative interest rate is less.

As for your down payment: make a decision based on your personal assets. In fact, your down payment is more or less about 50,000. However, I recommend keeping a down payment as small as possible without much money available. Don't let a mortgage squeeze your life.

In the future, children go to school, buy a car, etc. A lot of money is needed, but it's harder to get a loan. So, try to have an emergency deposit in hand.

It is best to start with a longer loan term so that the monthly repayment is less. When you have money, you can pay it back more or all at once.

With a larger down payment, the monthly interest will be less if the loan term is extended as much as possible, and the subsequent interest will be saved by repaying the loan early when the funds are sufficient.

Let's talk about it, "do a 20-year loan, 10-year repayment thinking", of course, the provident fund interest is low and appropriate, the amount of the down payment depends on your financial pressure. If the down payment is sufficient, the repayment ability is insufficient, pay more down payment and borrow less, if the down payment is insufficient, the repayment ability is strong, and the down payment is very insufficient, make a combination loan. There is no best, each one is for different situations, and the one that suits you is the best.

Good luck!

The loan is 120,000 yuan, the down payment is 230,000 yuan, and the provident fund is repaid in equal amounts. Average monthly repayment: RMB Total principal and interest: RMB. In this way, there is no stress on buying a house and taking out a mortgage. You can save 2000 per month, which can ensure the quality of life and the needs of subsequent accumulation.

Personally, it is recommended to pay it off in one lump sum, and there is no need to worry about the mortgage.

If you take out a loan, you must pay the down payment on the specified date, sign the "Commercial Housing Purchase Contract", go to the housing management office for the record, and then submit the information to the bank, and the bank will approve the loan, lend and repay the loan. Although you have little pressure on a down payment, you have to pay interest every month.

If you pay it all in one go, you only need to sign the "Contract" for the record, wait for the delivery of the house, and apply for the real estate certificate.

PS: No matter what kind of payment method it is, you must wait for the delivery of the house and submit the required information for the real estate certificate within 90 working days before you can apply for the real estate certificate.

It's best to pay in full, first of all, it's much simpler: pay the deposit, sign the contract, pay the balance, apply for the real estate certificate, and get the real estate certificate.

Please, can you tell me how much you borrowed?! I'll lend you 200,000 yuan.

20 years: total loan: $200,000.

Total repayment: 359,RMB.

Down payment: slightly RMB.

Interest payment: 159,yuan.

Number of months of loans: 240 months.

Monthly repayment: 1, RMB.

15 years: Total loan: $200,000.

Total repayment: 314,RMB.

Down payment: slightly RMB.

Interest payment: 114,RMB.

Number of months of loans: 180 months.

Monthly repayment: 1, RMB.

10 years: Total loan: $200,000.

Total repayment: 273,RMB.

Down payment: slightly RMB.

Interest payment: 73,RMB.

Number of months of loans: 120 months.

Monthly repayment: 2,RMB.

There are loan calculators available online, which vary from bank to bank.

You have to tell us the specific information to help you calculate, the age of the house? Price? What kind of loan to use? First time home buyer? Be specific if you can be specific, so that you can calculate accurately.