How much is the down payment for buying a house in Xuchang in 2022?

1. How much is the down payment for buying a house in Xuchang? 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. For the second suite, the minimum down payment for the purchase of real estate is 50%; 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%. Second, what conditions can I borrow to buy a house? Banks applying for personal housing loans must meet the following conditions: 1, legal residence status. To apply for a policy-based personal housing loan, you should have a local permanent residence. 2. Have a stable occupation and income. 3. Have the ability to repay the loan principal and interest on schedule. 4. The assets recognized by the loan bank are mortgaged or pledged, or the guarantor who meets the prescribed conditions provides guarantee for them. 5, there is a contract or agreement to buy housing. 6. When applying for a loan, there is a deposit of not less than 30% of the funds needed to purchase a house in the Construction Bank. If you apply for a policy-based personal housing loan, you should deposit the housing provident fund in the Construction Bank as required. 7. Other conditions stipulated by the lending bank. Three, the loan to buy a house should pay attention to six issues 1. Do not use the provident fund before the loan. If the borrower withdraws the balance of the provident fund savings to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, and your provident fund loan amount is also zero, which means that you cannot apply for a provident fund loan. 2. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made one year after the loan is paid off, and the amount you return should exceed six months. Don't forget to find the bank around you if you have difficulty in repaying the loan. When the repayment ability declines during the loan period, don't insist on it yourself when there is difficulty in repayment. ICBC customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term, and there is no default of principal and interest. 4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where you lived before to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property. 6. Don't lose the loan contract and IOUs. Applying for a loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan takes a long time, as a borrower, you should take good care of your contracts and IOUs.