The current high housing prices have discouraged many people who just need it. Now many people have the need to buy a house, but they can't afford to buy a house in full, so people choose housing loans to buy a house. 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 buy a house in Haining, how much is the down payment for a house of 6,543,800 yuan+0,980 yuan? How much is the monthly payment? 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,1980000 * 30% =1386000 yuan, and the loan period shall be 30 years; Provident fund loans, the loan ratio can reach 80%, the loan amount is 600,000 yuan, and the 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 1.98 million yuan, the down payment needs 1.98 million yuan * 50% = 990,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.
Regarding the down payment and monthly payment in Haining, if you plan to buy a house with a price of 654.38+0.98 million in Haining, you should make full financial preparations. The down payment is also a big expense, and the monthly payment 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 housing loan I provided for you in Haining. I hope it will help you!