Today's high housing prices make many people just want to stop. Nowadays, many people have the need to buy a house, but they can't afford a full house, so people choose mortgage loans to buy a house. Because the loan policies in different regions 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 are going to buy a house in Luoding, what is the down payment of 6,543,800 yuan+0,530 yuan? How much is the mortgage? Let me show you the relevant information below!
For the purchase of the first suite, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is,1530000 * 30% =1071000 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 is a second suite, it shall not be less than 50% of the assessed house price, that is to say, to buy a house with a total house price of1530,000 yuan, the down payment needs1530,000 * 50% = 765,000 yuan; If the provident fund loans the second suite, the loan amount is 600,000.
Regarding Luoding's down payment and mortgage, if you are going to buy a house with a price of 6.5438+0.53 million in Luoding, you should make full financial preparations. The down payment is also a big 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 Luoding housing loan I provided for you. I hope it will help you!