How much is the down payment on the house?

The down payment of a house is generally 30%, but it needs to be comprehensively determined according to the area of the house, the type of house and the number of houses purchased.

1, number of housing units: generally, the down payment for the first home loan is 30%, and the second home loan needs to reach more than 40%.

2. Area of the house: for the first suite with an area of less than 90 square meters, the minimum down payment is 20%, and for those with an area of more than 90 square meters, the minimum down payment is 30%.

3. Housing type: the down payment ratio of ordinary residential loans is generally around 30%, and the down payment ratio of commercial residential loans is at least 50%.

The specific proportion shall be subject to the specific provisions of the lending bank.

Is there a requirement for the source of down payment for housing loans?

Housing loans have requirements for the source of down payment.

The main source of down payment is the customer's own money, which can be personal salary income, deposits and so on. , as well as the income and dividends extracted from financial management. If the down payment is not enough, you can borrow money from your parents and spouses first.

However, the down payment cannot be provided by internet financial institutions or loan companies; In short, the mortgage down payment must be your own money and cannot be obtained by applying for loans or other channels. Once found, the bank may reject the lender's application.

Housing loan conditions

1, natural person aged 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old;

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;

5. Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of purchased houses;

6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.