The current high housing prices have discouraged many people who just need it. Nowadays, many people have the need to choose a house, but they are unable to choose a house in full, so people choose a house with a personal mortgage. Because the loan policies in different provinces are different, it is necessary to master the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you plan to choose a house in Taishan, what is the down payment for a house of 2.86 million yuan? How much is the mortgage? Let me show you the relevant information below!
For the purchase of the first home, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is, 2.86 million * 30% = 2.002 million yuan, with the longest loan term of 30 years; Provident fund loans, the loan ratio can reach 80%, the maximum loan amount is 600 thousand yuan, and the longest loan period is 30 years.
If it's a second suite, it's not less than 50% of the appraised house price, that is to say, for a house with a total price of 2.86 million, the down payment needs 2.86 million * 50% = 1.43 million; If the provident fund loans the second suite, the maximum loan amount is 600,000.
With regard to the down payment and mortgage for choosing a house in Taishan, if you plan to buy a 2.86 million house in Taishan, you should prepare sufficient funds. The down payment is not a small expense, and the monthly mortgage should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of the Taishan housing loan I provided for you. I hope it will help you!