How much is the general down payment for buying a house?

After the real estate businessman invented the concept of mortgage loan, buyers are no longer worried about the total purchase price, but need to increase the down payment of the house. So under normal circumstances, what percentage of the total house payment is the down payment? Let's get to know each other.

1. What is the general down payment for buying a house?

According to China's relevant policy requirements, the minimum down payment ratio for purchasing the first suite in the non-restricted area is generally 20%, and the minimum down payment ratio for purchasing the first suite in the restricted area is generally 30%. Buy a second suite with a minimum down payment of 50%. If you buy more than two properties, you need to follow the rules formulated by relevant banks in various places, or you don't need to lend.

Second, several matters needing attention in down payment

1. Down payment is not allowed.

When handling mortgage loan procedures, it is necessary to determine the total price of the property first, and then calculate the down payment according to the requirements of national and local banking policies. The down payment cannot be used for loans, and buyers must raise it themselves.

2. You can pay more down payment.

When handling mortgage loan procedures, the down payment is only required to pay the minimum down payment ratio. If property buyers still have money left, they can also pay more down payment, which will reduce the proportion of bank loans and reduce the expenditure of bank interest. Of course, this mainly depends on how the buyer chooses.

3. The down payment varies from person to person.

Down payment involves many factors. Usually, the People's Bank of China will set a minimum down payment standard for mortgage loans. Other factors are mainly reflected in restricted cities, non-restricted cities and differences in policies of major banks. So the down payment varies from person to person.

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