How much is the down payment on the house?

Generally, the down payment of a house is a few percent of the first purchase, with the down payment exceeding 30%, the second purchase exceeding 40%, and the down payment exceeding 20% according to local policies. It is reasonable to say that the down payment is 30%, but it cannot be mortgaged, so the buyer needs some cash. When buying a house, the buyer uses the loan method to determine the total price and down payment of the suite, and the total price MINUS the down payment is the loan.

Generally speaking, the central bank will set a certain down payment ratio, which is different between restricted cities and non-restricted cities, banks and banks. The situation of the second suite is more complicated, because the standards for the identification of the second suite vary greatly from place to place. For example, according to the laws of Beijing, I have a house in my name, but the loan has not been paid off. The second suite is the second suite, which is calculated by the down payment of the first suite.

Now the bank's loan policy is more and more strict, the loan speed is getting slower and slower, and the down payment ratio is getting lower and lower. In many cities, 30% down payment is required for houses under 90 square meters. The down payment for the second suite is 50-70%, and the loan for the third suite will be rejected, while the down payment for the second suite is similar to that for the new house.

Is there a certain down payment for the house purchase loan? Housing loans have a certain source of down payment.

The first thing to determine is the customer's deposits, wages, deposits, deposits, withdrawals, dividends and so on. If the down payment is not enough, you can borrow money from your parents and spouse.

However, the down payment of Ganwan cannot be an online financial institution or a loan company; In short, the down payment of the first house must be your own, not through other channels, otherwise it is likely to be rejected by the bank.

Natural persons aged 65,438+0 and 65,438+08-60 in housing loans (including Hong Kong, Macao and Taiwan and foreigners);

2. Stable occupation, stable income and ability to repay on time;

3. The actual age of the borrower plus the time to apply for a loan cannot exceed 70 years old;

4. There are legal and effective purchase, construction and overhaul contracts, as well as other supporting materials required by the loan bank;

5. Personal self-owned funds, accounting for 30% of the total purchase price (self-occupied houses, 20% of the house area does not exceed 90 square meters), and promised to pay the down payment for the house purchase;

6. Mortgage or pledge of assets recognized by the lending bank, or (and) legal person, other economic organization or natural person with guarantee ability.

The above is the answer that the down payment of a house is generally a few percent. I believe everyone has understood. I hope the above content is helpful to you.