What is the average down payment for buying a house?

<> the policies of each region are different, and the down payment ratio is also different, according to the past practice, the first house is 30%, the second house is 40%, and the third set is the full payment.

However, with the change of policy, the first house can be 20% of the second house and 30% of the third set of full payment, loan interest rate, the first set of the second set of the third set of full payment, provident fund.

In addition, some can also do down payment installments, that is, on the basis of your down payment, the installments here can only be paid in three installments over two years, with no interest, so that the down payment is lower. However, it is still related to local policies.

The down payment for buying a house can generally be 30%. In some areas with purchase restrictions, it is often difficult to get a loan for a second-hand house. You need the agent to understand it specifically before making a decision.

There are many types of loans to buy a house, including provident fund loans and commercial loans, and the relevant regulations are different in each city. For the first home, 20% for CPF loans and 30% for commercial loans; The second home is mostly 40%; There is a difference between non-ordinary houses.

If you buy off-plan housing, you can make a down payment of 30% for the first loan and 60% for the second loan, and sometimes it depends on whether the developer has special regulations; If you buy a second-hand house, you can borrow up to 70% of the appraised value for your first loan.

The minimum down payment is generally 30%, and so is new houses, but a few real estate projects have achieved 20% in order to attract more customers, and the developer requires you to go to the designated bank to lend, or a small apartment with a better location can also have a low down payment.

Therefore, the issue of how little down payment needs to be paid for buying a house needs to be determined on a case-by-case basis in combination with local policies and regulations and some requirements of real estate developers.

Article 18 of the Administrative Measures for the Sales of Commodity Housing can be priced according to the set (unit), or the building area or construction area within the suite.

The construction area of the commercial building is composed of the building area of the suite and the apportioned common construction area, the part of the building area in the suite is independent property rights, and the part of the shared construction area is the common property rights, and the buyer enjoys the rights and assumes responsibility for it in accordance with the provisions of laws and regulations.

If the price is calculated according to the set (unit) or the construction area in the suite, the construction area and the apportioned common construction area shall be indicated in the contract for the sale and purchase of commercial housing.

Article 17 of the Administrative Measures for the Sales of Commodity Housing shall be negotiated and agreed upon by the parties, unless otherwise stipulated by the state.

1. When buying a house, take the way of a loan, to determine how much the total price of the house is, how much is the down payment, and the total price minus the down payment is the loan money. The down payment is not a loan, so you must have some cash on hand as a buyer, and the general down payment is 30.

2. If you have more money than 30 of the down payment, then you can also give cash, the reason for this is to reduce the amount of money you borrow, because the loan is interest, so in terms of the total amount, the more cash you give, the less you borrow is still cost-effective, of course, this depends on your own situation.

3. Provident fund loans can be applied for mortgage interest. First-time home buyers, with a down payment of 30 or more. Second-time home buyers have a down payment of 40 or more. According to the local policy, there is a case where the down payment is 20%. The amount of monthly payment depends on how much money you borrow, and how many years you have to pay for it.

A: The normal down payment for buying a first house is 20%, and the down payment for buying a second house is 50%.

The down payment for buying a house is generally about 30% of the total price of the house.

In this case, if you buy a house with a loan. 30% of the house is to be paid in cash.

1. Buy a down payment for your first home**.

If you are buying your first home and applying for a provident fund loan, the down payment** for your first home will be divided according to the size of the house: the down payment for the first home below 90 square meters (inclusive) is generally not less than 20; The down payment for the first home of more than 90 square meters is generally not less than 30.

If you are applying for a commercial loan and your first home is a new home, the down payment is generally 3% of the total price of the house. If the first home is a second-hand house, the down payment will generally be 3% of the loan appraisal price.

2. Buy a second house down payment**.

If you are buying a second home and applying for a CPF loan, the down payment for the second home should generally not be less than 50. However, it should be noted that only when the area of the first house is less than 120 square meters (inclusive), you can apply for a housing provident fund loan to buy a second house.

If you apply for a commercial loan, the down payment for the second house is generally about 6% of the total price of the house.

Of course, there may be differences in loan policies and housing purchase policies in different places, so please refer to the local official information.

I've helped you find the results: the down payment for buying a house is generally; According to the relevant regulations of our country, buying a house is generally based on the family. As long as it is the first home, the down payment cannot be less than 30% of the total price of the house.

For example, if you want to buy a house worth 1 million, your down payment must be at least 1 million * 30% = 300,000. 2. The down payment for some houses is calculated according to the amount of the loan, as long as you take 30% of the total house price, but there is also a problem with loans. For example, for the above-mentioned house with a total price of 1 million yuan, if the provident fund loan is used, the maximum loan amount for both husband and wife is 450,000 yuan, then the remaining house price must be the first stool payment, that is, 1 million - 450,000 yuan = 550,000 yuan, that is, a down payment of 550,000 yuan.

3. You need to examine your family income and ability to repay the loan to see how much you can borrow, then the total house price minus the loan amount, and the rest are all down payments. 4. The above is also the algorithm of the first house, when buying two sets of filial piety houses (in the family unit), the loan down payment ratio is less than 50%, for example, the total house price is 1 million yuan, the down payment is at least 1 million yuan * 50% = 500,000 yuan. Hope mine can help you <>

The down payment for buying a house is generally 30% of the total house price, which is paid according to the agreement in the purchase contract signed between the parties. The subject matter, quantity and ** of the civil act can be agreed in the contract, and one party needs to bear the liability for breach of contract for breach of contract. There is no mandatory provision in Chinese law for the down payment of buying a house, and it is generally agreed by the parties themselves.

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Article 470 of the Civil Code: The content of the contract shall be agreed upon by the parties, and generally include the following clauses: (1) the names and addresses of the parties; (2) the subject matter; (3) Quantity; (4) Quality; (5) Price or remuneration; (6) The time limit, place and method of performance; (7) Liability for breach of contract; (8) Methods of dispute resolution. The parties may conclude a contract with reference to the model texts of various types of contracts.

The general down payment for buying a house is as follows:

1. At present, the mainstream of the first home loan policy in most areas of commercial loans is to require a down payment of 3%, and the benchmark interest rate of the loan, that is, the loan interest rate of more than 5 years;

2. For families who purchase their first self-owned house with a provident fund loan and the construction area of the set is less than 90 square meters (including 90 square meters), the down payment ratio of the housing provident fund loan shall not be less than 20%; For families who purchase their first self-owned house with a floor area of more than 90 square meters, the down payment ratio of the housing provident fund loan shall not be less than 30%.

3. In general, according to the existing implementation standards for the first house, the down payment ratio of the new housing commercial loan is 30%, the down payment ratio of the provident fund loan is the down payment ratio of the provident fund loan below 90 (inclusive) for the first house, and the down payment ratio of the housing provident fund loan above 90 shall not be less than 30%.

There are certain differences in the home purchase policy of each city. First of all, you need to understand what the policies of your city are, so that you can know how much the down payment is for a house. Under normal circumstances, the down payment for the first house is about 3 percent, and the down payment for the second home is 3 to 7 percent.

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.

20 percent of the price for the first home and 50 percent for the second home.

If it's the first property. Generally, the down payment is 20% of the total price of the property

30% down payment for the first set. If you are divorced, you can provide a divorce certificate or judgment.

The amount of the down payment is determined by the amount negotiated by both parties. Diwang International's violation of the agreement is inappropriate.

Two sets, because your set is still in the mortgage

Not necessarily the cheapest tens of thousands.

What is the average down payment for a home? When buying a house, the average person must first know what the initial payment ratio is stipulated by the local policy, and then estimate how much the initial payment is based on the house price. As we look at the initial payment ratio for a home under the new property market policy in 2017.

The standard for the down payment for a home varies from region to region, but many places still have a 20% down payment policy. In 2016, the state encouraged real estate to destock, in this context, the state relaxed the housing loan policy, the proportion of initial payment from the original 30% to 20%, many real estate agents poured into the property market, housing prices soared, first-tier cities and some popular cities issued control policies, increased the proportion of initial payment.

We calculate how much a general down payment is required at a rate of 30%.

According to national regulations, if it is the first house, the initial payment cannot be less than 30% of the total house priceFor example, to buy a house worth 1 million yuan, the initial payment is at least 1 million * 30% = 300,000 yuan.

There is a rule that 30% of the total house price is fine, but there is a problem with the loan. For example, for the above-mentioned house with a total house price of 1 million yuan, the husband and wife can borrow up to 450,000 yuan (the amount varies from city to city), and the rest of the house price should be paid first, that is, 1 million yuan - 450,000 yuan = 550,000 yuan, that is, 550,000 yuan should be paid first.

When using a business loan, you need to look at the family's income status and repayment ability to see how much you can finance, and the total house price minus the financing amount, and the rest must be paid first.

The above is the calculation of the first home, when buying the second home (in a family unit), the down payment ratio of the loan must not be less than 50%.For example, for a house with a total house price of 1 million yuan, the down payment is at least 1 million yuan * 50% = 500,000 yuan.

When buying a new home, the down payment is calculated on a pro-rata basis, the loan amount. When buying a second-hand home, you need to negotiate a down payment with the homeowner. As long as the down payment requirement for the purchase of a home is exceeded (30%)

There are real estate agents who also come up with initial offers in order to attract customers to buy residences. For example, if at least 30% of the rate stipulated by the state is not moved, the developer will pay a part of the money for you to decide on the housing first**. For example, for a house with a total of ** of 1 million yuan, the initial payment needs to be at least 300,000 yuan, and some real estate agents pay 20% first, and the remaining 10% is paid by them first, so that the buyer can supplement it within a year, which is also a strategy to delay the initial payment pressure of the buyer.

The standards vary from region to region, but they are average.

1. For the first house, 30% of the commercial loan is paid for the first time, and 20% of the provident fund loan (within 90 square meters, 30% outside 90 square meters).

2. If it is two houses, the minimum down payment for buying real estate is 50%.

3. In the case of three sets of noisy houses, the bank that needs a loan can not make a loan according to the situation of housing prices.

4. In other cases, the minimum down payment is 30%.

1. According to national regulations, as long as it is the first house, the down payment cannot be less than 30 of the total house price, for example, if you want to buy a house worth 1 million yuan, then the down payment is at least 1 million 30 300,000 yuan.

2. When buying a second house (with a family as a unit), the loan down payment ratio shall not be less than 50, for example, the total house price is 1 million yuan, and the down payment is at least 1 million yuan 50 500,000 yuan.

3. When buying a new house, the down payment is calculated according to the proportion and loan amount, and if you buy a second-hand house, you need to negotiate the down payment with the owner, as long as it is not lower than the down payment ratio of the purchase (30).

4. There are real estate developers, in order to attract customers to buy houses, they also launch down payment discounts, such as the proportion of at least 30 stipulated by the state can not be moved, and the developer will advance a part of the money for you, so that you can set it first.

How much is the down payment for a second-hand home.

In real life, many people will buy second-hand houses, but they tend to pay more attention to the down payment of second-hand houses.

In 2017, some adjustments were made to the down payment ratio of commercial loans, with the down payment ratio of 35% for ordinary residential buildings and 60% for second homes; The down payment ratio is 40% for the first home of a non-ordinary home, and 80% for the second home.

The down payment calculation method of second-hand housing commercial loan is different from that of new housing, second-hand housing commercial loan down payment = transaction price - housing appraisal value x loan ratio, second-hand housing loanable amount = housing appraisal value loan ratio.

How much is the down payment for a CPF loan to buy a house?

The down payment of the provident fund loan to buy a house is different because of the differences in each region, and the connection between the real estate and the provident fund management center is different, so the down payment of the loan is different.

1. Because the differences in each region are different, and the connection between the real estate and the provident fund management center is different, the down payment of the loan is different. The minimum down payment share for a personal provident fund loan to buy a house is 30.

2. Residential provident fund refers to the long-term residential reserve fund paid by state organs, state-owned enterprises, township collective enterprises, foreign-invested enterprises, township private enterprises and their filial piety township enterprises, public institutions, private non-enterprise units, social organizations and their employees.

3. It is necessary to deposit the provident fund loan for more than 12 months in a row and it is still being paid in succession at the time of the loan.

Note: The down payment for buying a house is usually 30%, but there is still some room for mitigation depending on the condition of each property. CPF loans do not affect the share of the down payment.

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