The current high housing prices make many people afraid of just needing 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 different cities have different loan policies, it is necessary to understand the local real estate policy, because only in this way can the funds on hand be arranged reasonably and used correctly. If you plan to choose a house in Qingyuan, how much is the down payment for a 360,000 house? How much is the monthly payment? Let me show you the relevant information below!
For the purchase of the first suite, the down payment ratio of commercial loans shall not be less than 30% of the total house price, that is, 360,000 * 30% = 252,000 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 360,000, the down payment needs 360,000 * 50% =180,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.
Regarding the down payment and monthly payment of Qingyuan's house selection, if you plan to buy a house of 360,000 yuan in Qingyuan, you should make sufficient 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 Qingyuan housing loan I provided for you. I hope it will help you!