After saying that the down payment of 25 was good, it was reasonable for the bank not to ask for ad

Reasonable, because it is a bank loan, it may be normal that your qualification review is not enough, and you need to add a down payment to pass.

Said a good down payment of 25%, and then the bank said that it would not be handled, and it should be reasonable to add money, and he should be that your conditions have not been met.

Of course, this is unreasonable, because 25% is already very high, and at home, it is also usury.

If the bank says so, they must have their own reasons, and they may think that your credit is not enough.

The down payment of 25% should be put into practice on paper, if it is only verbal, then it has no legal effect. If both parties sign and the bank breaches the contract, then he needs to be liable for breach of contract.

The good thing is a down payment of 25%, and then the bank says that it will not add money to the processing requirements, then it is for you to increase the down payment, and you can decide how much the loan contract agrees on the loan contract to protect how much you will pay for the down payment.

If that's the case, it shouldn't be reasonable, but there's no way, if you want to borrow someone's money, you can only listen to him.

If you say that you have a good down payment of 25%, you will later say that the bank will not do it and ask for additional money, and if you say that you have a good down payment of 25%, you will later say that the bank will not do it, and it is unreasonable to ask for the price.

When the developer sells the house, if the documents are incomplete and the procedures are incomplete, there will be such and such problems in the settlement of the house payment.

This needs to be negotiated between the two parties, and the bank will not determine the reason for not seeing who it is.

After the down payment of 25%, I said that the bank would not do it, and I thought it was unreasonable, so I could change it.

The down payment of 25% was agreed, but the bank said that it would not be done. It is unreasonable to ask for additional money. You can go to the bank with the agreement.

Summary. Hello, dear, I'll help you solve this problem, yes. You can buy a house with a 20% down payment.

If you use a CPF loan to buy your first home, the minimum down payment ratio is 20%, and for other loans, the down payment ratio must be 30% or more. Provident fund loan to buy the first home, although the minimum down payment ratio only needs to be 20%, but the provident fund loan amount is limited, when the loan amount is too high, users may need to apply for a portfolio loan. If the user increases the down payment ratio, the loan amount will be reduced, and the corresponding monthly repayment amount will also be reduced, which is conducive to alleviating the repayment pressure in the later stage.

Hope it helps! Have a great day

Can you buy a house with a 20% down payment?

Hello, dear, I'll help you solve this problem, yes. You can buy a house with a 20% down payment. If you use a CPF loan to buy your first home, the minimum down payment ratio is 20%, and for other loans, the down payment ratio must be 30% or more.

Provident fund loan to buy the first home, although the minimum down payment ratio only needs to be 20%, but the provident fund loan amount is limited, when the loan amount is too high, users may need to apply for a portfolio loan. If the user increases the down payment ratio, the loan amount will be reduced, and the corresponding monthly repayment amount will also be reduced, which is conducive to alleviating the repayment pressure in the later stage. Hope it helps!

Have a great day

Can't you not have a provident fund?

The sales office said that the national policy can be a down payment of 20

A down payment of 20 is possible

A down payment of 20% for a first home is OK. The 20% down payment for the first home is restricted: the first must be the purchase of the first home; Second, it must be within 90 square meters; third, the total price does not exceed 1.1 million; Fourth, the remaining 80 must be borrowed from the CPF.

At present, under the bank credit policy, now to buy a house, in many cities, the area is less than 90 square meters, the down payment ratio is 30. If it is a second home, the down payment ratio is 50 70. Three home loans may be denied.

The down payment ratio for second-hand homes is the same as for new homes.

Summary. The loan process is as follows: 1. The borrower applies to the bank and provides loan materials 2. The bank accepts and conducts a preliminary review 3. The management center reviews the loan information 4. Approval is passed, and the "Personal Housing Provident Fund Loan Business Confirmation" is issued for mortgage registration 5. The bank returns the "Certificate of Other Rights", and the center issues a notice of entrustment 6.

The bank's preliminary examination means that the bank has passed the loan qualification review, and the next step will be reviewed by the provident fund management center, and the loan can only be made after the review is passed.

Hello, I am a cooperating lawyer and have received your question.

Hello, a higher down payment has no effect, the amount of the loan depends on how much you have to repay after the down payment, and the high down payment ratio does not affect the loan.

Does it matter. Ha without impact.

A high down payment does not affect the loan.

The problem is that I found a friend to scrape together tens of thousands of dollars, so I am afraid that it will affect the loan.

This has no effect, the main review of the loan is your flow and credit information, and it has nothing to do with borrowing money from friends.

Different lending institutions, the review time is different, the review of Yinjia Hongxing is the slowest, because the risk control is stricter, the simplest is the auto finance loan, basically 1 3 days to know the result. However, it is important to remember that the waiter should not find a formal institution to handle this business, and do not choose a small loan company for cheapness, which may bring a series of negative effects. 、

To use the provident fund to purchase a second-hand house, the loan process is as follows: 1. The borrower applies to the bank and provides loan materials 2. The bank accepts and conducts a preliminary review 3. The management center reviews the loan information 4. Approval is passed, and the "Personal Housing Provident Fund Loan Business Confirmation" is issued for mortgage registration 5. The bank returns the "Certificate of Other Rights", and the center issues a notice of entrustment 6. Sign the "Loan Contract" and issue the housing provident fund loan. The bank's preliminary examination means that the bank has passed the loan qualification review, and the next step will be reviewed by the reserve fund management center, and the loan can only be made after the review is passed.

If you are satisfied, you can like it, or click on my avatar to follow me, so that you can send me a consultation at any time if you have any questions in the dust hall. Thank you for your consultation and have a great day!

You can pay the down payment ratio of 20%-30% for the first home and 50%-70% for the second house, and the implementation interest rate is multiple of the benchmark interest rate. The down payment ratio will vary by region. The mortgage package, actual mortgage interest rate, loan-to-value ratio and mortgage tenure of the first-hand house are subject to the bank's approval. (In the case of a belt-and-cover cover:.)

For the first home loan, the down payment for ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment of the second home loan is not less than 60%, and the quasi-interest rate of the implementation is 10%; Three houses are not allowed to buy a house with a current loan, and there is a big difference in the calculation of the down payment of the loan when buying a new house and buying a second-hand house. When applying for a new home loan, the down payment is based on the market price at the time of purchase, and the loan ratio is determined according to the number of personal loans and the creditworthiness of the personal loan.