How much is the down payment for the new house? When will the down payment for the new house be paid?

For a family, it is naturally a happy thing to be able to buy a new house, because after buying a new house, the quality of life of the family will be greatly improved and the living environment of the family will be improved. Generally speaking, it is a very good thing, so how much is the down payment for the new house? When will the down payment for the new house be paid? Let's first learn about the relevant knowledge and content of down payment for new houses.

How much is the down payment for the new house?

1. According to national regulations, as long as it is the first house, the down payment cannot be less than 30% of the total house price. For example, if you want to buy a house with 1 10,000 yuan, then your down payment should be at least 1 10,000 yuan * 30% = 300,000 yuan.

2. Although there are regulations, as long as you take 30% of the total house price, there is still a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow up to 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan.

3. If you use commercial loans, you need to check your family income and repayment ability to see how much you can borrow. The total house price minus the loan amount is also the down payment.

When will the down payment for the new house be paid?

If property buyers choose to buy a house by loan, the general time point should be after signing the sales contract. After paying the down payment, buyers should remember to ask the developer for a down payment receipt. Because in the process of applying for loans, buyers must provide purchase contracts, down payment receipts and so on. Otherwise, the bank cannot approve the loan.

Different cities and banks have different regulations on the down payment ratio required for loans to buy a house. For a simple example, the minimum down payment requirement for buying a first suite in Beijing and Shanghai is 35%, while most second-tier cities like Tianjin stipulate a minimum down payment of 30%. In addition, the identification of the first suite varies from place to place, some require no room and no loan, some can have no room and no loan or the loan has been settled.

For property buyers, if they want to buy a house, they should pay attention to choosing the right way to buy a house. Borrowing money has become a trend now. The above is an introduction about how much and when to pay the down payment for the new house. Different cities have different specific real estate policies, so you can learn more about it before buying a house.