Can I buy a house only if I have enough money for a down payment?

In fact, the main thing about the house is to save up for a down payment, and you can make a down payment on a house in your local area, and then repay the loan for the rest, at least you have a warm home. This is a very good choice, because everyone faces their own financial ability is different, that is, his own conditions are also different, but also according to their own situation to decide, sometimes as long as you can save for a down payment, and then buy a house, I think this is very good. <>

Therefore, when we are faced with any situation, as long as it is allowed by the local area, or if your own financial ability is possible, you can buy a house, because in this way, you can have a fixed place to live. You don't have to rent a house anymore, and then your heart will be completely different from what it is now, and you will be very confident because you have a house in your city, that is, you have put down roots. <>

Although we have to make a good choice when facing any situation, I think as long as you are young people who are working hard in big cities, for example, they are more relevant than you or first-tier cities.

It is the provincial capital, as long as the people they work hard can save money to buy a house, it can be said to be a very happy thing, because after all, this is through their own efforts, you will definitely choose to buy this house, if this is the first house in your life, you must choose it, and then find a community you like, it is very good. <>

If you have to buy a house in your current situation, even if you can't save up for a down payment, I think you can borrow a little from a friend who can't go in, and then pay it back slowly, at least you can have a house, and then the big guys are more supportive of you, so this kind of thing is also very good. If you keep working hard, I'm sure nothing will stop you. I believe that as long as you can buy this house, your later life will definitely be different, because you have a lot of self-confidence in your heart.

First of all, you need to pay a part of the down payment to buy a house, and then you can buy the house you want by taking out a loan, and then pay the monthly payment every month.

It is true that you can only buy a house if you save for a down payment, as long as you can save enough for the down payment, you can pay the balance in installments with a bank loan.

You need a minimum down payment to buy a house, and if you really want to buy, you don't have to save enough for yourself, you can also borrow a little money from others.

In addition to the down payment is enough, decoration is also a large expense, it is recommended that the down payment and decoration are not borrowed, because there will be deed tax and mortgage pressure later, if the down payment is 30%, according to the current house price, the mortgage will be thousands a month, at least it can not affect daily life.

If you have a regular job, you can buy a house, you can pay a little less mortgage every month, and the life period will be extended a little.

Personally, I think that a house generally requires at least 30% of the down payment, and it may cost 50%. As for the amount of down payment you said, it depends on the size of your house and **.

Pay no less than 30% of the down payment, prepare 1-2 years of monthly payment, 4% of the total house price of funds for the property certificate. You can buy a house in 1-2 years by earning enough decoration costs.

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Can you buy a house with enough down payment? Bankers revealed that these three kinds of people cannot be approved for housing loans.

Why is it so funny that you can't even save enough for a down payment to buy a house?

If you can't get a down payment, there is no need to buy a house.

Generally speaking, if the down payment for buying a house is not enough, the pressure of repaying the loan in the later period is also relatively large, so it is not recommended to buy a house.

If you have to buy a house, you can ask your parents for financial assistance. If you really can't make that much down payment when you buy a house, but your parents currently have a good financial income, then you can ask your parents to help fund some down payments when you buy a house, and then return the money funded by your parents to your parents when you have money in the future. What you need to pay attention to when buying a house:

1. Your own economic ability, you should buy a house according to your own ability, and choose a house that is suitable for your own acceptance. If you have strong economic ability, you can choose a relatively high price; If your financial ability is average or just suitable, you can choose a slightly lower house.

2. The biggest problem or the most tangled thing about buying a house is that it is not clear whether it is full or a loan. If you can pay in full, try to pay in full. If you have a provident fund and want to save some money for yourself to invest, it is recommended to choose a provident fund loan, which is much cheaper than a commercial loan.

3. Location, a house with a good location, is actually very sought-after. Therefore, when choosing a house, you should consider whether the location meets your requirements, such as whether the transportation is perfect.

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If you are planning to take out a loan to buy a house, enough for a down payment is almost enough.

If you want to buy a new house, you basically only need to pay a down payment before taking out a loan, and other agency fees and maintenance ** do not need too much, and you need to pay the deed tax before handing over the house.

If you want to buy a second-hand house, it may involve more taxes and fees, at this time, if the funds are only enough for the down payment, then you must choose the only house full five, this kind of house in the transaction process, only need to pay a deed tax.

According to your own needs, it doesn't matter if you should or not. Now that the property market is declining, if it is not just demand, it is recommended to wait and see. <>

High housing prices have also squeezed consumption and residents' lives to varying degrees. In fact, many people should have a personal feeling of this, after being a house slave, in addition to the mortgage every month, the remaining money is actually only enough to eat and drink, many people have to tighten their belts to live, dare not invite guests, dare not travel, dare not socialize, say that there is no pressure eighty percent is a lie. Therefore, if you have saved enough, the richest man should also think about it more.

I think you should buy a house after saving enough for a down payment, because the house price may still be **, and the speed of saving money may not be able to catch up with the speed of house price**.

This is a sensitive issue that needs to be analysed and dealt with on a case-by-case basis.

1.Understand your boyfriend's thoughts: Your boyfriend wants to save for a down payment, probably because he thinks buying a home is an important thing that needs to be prepared in advance. You can understand his thoughts, respect his decisions, and communicate with him to understand his ideas and plans.

2.Plan for the future together: You and your boyfriend can plan for the future together, including life, work, and marriage, and make common goals and plans.

In the process of making a plan, consider the balance between your boyfriend's down payment and your living needs, and create a reasonable budget and allocation plan.

3.Open communication: If you feel that your boyfriend is not generous enough with you or you have some special needs, you can communicate openly with him, tell him about your ideas and needs, and seek compromises and solutions for both parties.

Try to make some money-saving suggestions, such as buying discounted items, avoiding waste, finding cheaper ways to entertain, etc., to reduce the financial pressure on your boyfriend.

4.Respect each other's independence: Everyone has their own view of financial management and lifestyle, you can respect your boyfriend's independence, don't force him to spend more money for you, and ask your boyfriend to respect your independence and don't affect your relationship because of money.

If you can't even get the down payment, it is not recommended to buy a house for the time being, not that there is no need to buy a house, but because the current economic ability is limited, if the down payment is insufficient, the later repayment pressure will be relatively large, which will affect the normal work and life.

Housing prices are still relatively high, and in most cities, even if it is the first time to buy a house, the minimum down payment is 20%, and if you just need housing, you can fund some from relatives and friends.

As far as the current house buying policy is concerned, some local people with empty first household registration can enjoy preferential policies to buy a house, and they also need to provide social security payment records, but some other cities need to submit at least 12 months of loss or 24 months of continuous social security records or personal tax records to be able to buy a house, and it is best to understand whether you have the qualifications to buy a house before buying a house.

If it is a second-hand house, then there is a way to evaluate the loan **, and then take out a loan according to this appraisal price, and you can consult the local real estate agency for details. The first-hand house is a ** loan in accordance with the purchase contract and the purchase invoice, and if you want to have no down payment, you can only use your brains with the developer. Finally, no down payment is a risk for the bank, and the bank will review the mortgage with an overappraised price more strictly.

As for your conditions as a lender, whether the income-to-loan ratio can meet the bank's requirements, and whether you can get a loan, it is not known. Therefore, it is still necessary to say that it is better to do a good job of financial planning before buying a house, and it is ideal to buy a house after saving enough down payment. Follow-up:

If it's a first-hand house, then you have to start from the developer, wow. Because as I said above, the first-hand mortgage is assessed by the ** of the purchase invoice, which means that the developer has a way to achieve zero down payment. It's hard to talk about how specific it is, after all, this is not a matter of operating according to normal procedures. Not recommended.

Loan with a down payment.

The down payment must be made before applying for a loan, that is, the actual payment is paid in cash, as for the down payment, it doesn't matter if it is a loan, borrowing or your own money, but the down payment cannot be used to buy a loan. You can borrow money from other tangible assets, so you can make a down payment and pay the rest monthly. That's two contracts, but then you're going to have to take out a mortgage and a down payment, which can make your life very stressful;

You can start with a mortgage, or other type of loan. Then use the money you get from the loan as a down payment and then go to the loan. But these are two contracts, not one. In other words, take out a loan in other ways first and get the money in hand. Then go to the mortgage.

If the down payment is not enough, you can borrow it from a friend, but you must find the right time to buy a house and avoid buying it at a high price.

It must be necessary, because buying a house is just needed, and you can't do many things without a house, such as getting married? And if you want to save enough money to buy a house, it's basically impossible in China.

This should be decided according to your actual situation, housing is everyone's just need, so if you have this need, then you can only wait until you have saved enough down payment to buy, rather than not buying, of course, if you like to rent a house, then there is no need to buy a house!

People who don't have enough down payment don't need to buy a house, which will be tiring, but it will be easier to accumulate some time.

People who don't have enough down payment, he wants to buy a house, he just needs a house, and if he doesn't have enough money, it is also necessary to buy a house.

There are many ways to make up for a down payment that is not enough.

Whether it is necessary to buy a house depends on whether you have this need, such as children going to school to get a household registration, and your lover is looking forward to having a nest of their own.

Your ability to make money now does not mean that you will be the same in the future, you must have a plan to buy a house and work hard for it.

There is because you don't buy it now.

There is a possibility that they will not be able to afford it in the future.

If you can afford it in the future, you should buy it now, because it is equivalent to saving money in advance.

Anyway, the first house must be bought.

Hope it helps.

People who don't have enough down payment don't have the need to buy a house, but they don't have the conditions to buy a house at all, how to buy it.

If you have the ability to repay, you can buy a house.

If the house you choose is too big, you can choose a slightly smaller one, maybe it will be enough. Either you'll have to borrow some of it, but it's best to do what you can.

If you don't have enough down payment, should you buy a house? Do you have to wait until you save enough for a down payment before buying a house?

People who don't have enough down payment need to work harder, and one day it will be enough.

If you don't have enough down payment, you can borrow, and if you buy a house, you will be motivated to make money.

Save money first, and then think about buying a house.

You can rent some cheap houses, or go back to your hometown to live in makeup, and you will be given a house when you come out to start a business.

When they were young, they dreamed of becoming scientists and pilots. Later, when they grew up, it was impossible for them not to become scientists and pilots. Later, they found out that buying a house was a big problem.

After the 95s, young people were frugal in college. After two years of work, they had £200,000 on hand. But as a 95-year-old, saving 200,000 in 6 years is pretty good.

But I can't save money anymore after I have a girlfriend, so whether the 200,000 yuan will be used to pay for the house or deposited in the bank？In fact, it's complicated. I really don't know what to do with this money, because the down payment is more than 300,000 yuan, which is less than 100,000 yuan, but I'm afraid that 200,000 yuan will soon be spent in my hands.

A brother from a bank told me that the bank's interest rate was too low. 200,000 yuan a year is only 3,000 yuan. Now the currency is expanding, and the currency will depreciate.

The salesperson said that the house is still very long and **a lot. They have 200,000 yuan. It's easy to make a down payment with six pockets.

But I've heard that house prices are falling in big cities. Although the housing prices in the third and fourth-tier cities are still **, they will definitely **! So I gave up.

Later, after listening to the introduction of financial experts, I paid attention to it for a few days and divided the 200,000 yuan into two parts。I bought a better one** and opted for a fixed deposit. The regular income of 100,000 yuan is about 4,000 yuan per year.

**About 5,000 yuan a year, about 9,000 yuan a year. The ** has lost at least some regular support, but the profit is not the same. If you feel that your personal risk tolerance can be a little bigger, you can be equipped with a little more **** or hybrid**, and if you are lucky, you can also achieve more than 10% of the return.