What is the most cost-effective down payment for buying a house?

What is the most cost-effective down payment for buying a house? In principle, the more down payment for buying a house, the more cost-effective. At present, the minimum down payment ratio for commercial loans is 30%, and that for provident fund loans is 20%. However, when buying a house with a loan, if the down payment ratio is relatively low, then you will need more loans and repay more interest. Therefore, if funds permit, the more down payment for buying a house, the better. But after the actual process of buying a house, everyone should make a choice according to their actual economic situation. After all, everyone's family conditions are different, so pay more if you can.

Measures to eliminate overdue records of credit investigation? If the overdue records are not caused by their own reasons, they need to appeal to the lending institution as soon as possible after finding the relevant bad records, and then the lending institution will inquire about the specific reasons and apply for changing the credit report for users. If the overdue record is caused by yourself, you can't apply for a loan until five years later, because your credit record will generally be kept for five years, and it will be eliminated after paying off the debt for five years. If you need to buy a house and apply for a loan now, you can consider applying for a loan in the name of relatives or family members, and you should also pay attention to repayment on time.

What house can I buy with a down payment of100000? You can buy a bungalow or a brick-concrete structure. According to the down payment of 30%, the total price of this house should be 300 thousand. If you are in a first-tier city, you may only have to buy a toilet. If you are in a fifth-tier city or a small county, you can buy a building. The house you buy depends on the local house price and geographical location. If the geographical location is relatively biased, the house price will naturally be low.

The above is the most cost-effective answer about the down payment for buying a house. Generally 30% is the most cost-effective. The more down payment, the less loan amount and the less interest. Of course, the shorter the loan term, the less the loan interest. Normal choice is the most cost-effective for 20 years.