How much is the down payment for buying a house in Kunshan?

With the continuous development of a well-off society, many families have become homeowners. For the long-term economic consideration, many families will choose to buy a house with a loan. Due to economic development and policy differences in different regions, house prices will vary greatly, and the down payment amount will also change. How much is the down payment for buying a house in Kunshan? How much is the down payment for buying a house in Kunshan? That's how the down payment is calculated. The evaluation unit price multiplied by the property certificate area is the total evaluation, and 70% of the total evaluation is the amount you can borrow. The amount you can borrow MINUS the actual total price is your down payment, excluding tax, of course. The specific evaluation price is different for each community. Down payment ratio of real estate: the average price drops slightly 18000 or so, and the down payment is 30%. Now the down payment can be divided into: 1. Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 20%; 2. In the case of the second suite, the minimum down payment for purchasing the property is 60%; 3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price; 4. In other cases, the minimum down payment is 30%. The requirement of 20 13 is that the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price. Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual pays a part of the house payment in advance, which proves that you have the repayment ability. 2065438+On March 25th, 2006, Shanghai issued "Several Opinions on Further Improving Shanghai's Housing Market System and Security System to Promote the Stable and Healthy Development of the Real Estate Market", which made it clear that the down payment ratio should not be less than 50% for households with/kloc-0 apartments who apply for commercial personal housing loans to buy ordinary self-occupied houses again to improve their living conditions; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. In the Notice of the General Office of the State Council on Forwarding the Opinions of the Ministry of Construction and Other Departments on Adjusting the Housing Supply Structure and Stabilizing Housing Prices, since June 1 2006, the down payment ratio of individual housing mortgage loans shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters? As can be seen from the above, there is no unified answer to the question of how much is the down payment for buying a house in Kunshan. From the perspective of buyers, the amount of down payment will change according to the number of properties under his name, generally based on the total loan amount. In addition, the calculation of down payment is also related to the local average house price.