What is the minimum down payment for buying a house?

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For young people, it is impossible to buy a house in full unless the family conditions are very good. Therefore, buying a house by loan is the best choice for young people, but it also requires a certain down payment. Then, the following small series will share with you the minimum down payment for buying a house and the matters needing attention in buying a house.

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

The minimum down payment standard for house purchase is as follows:

1, new house: 80% of the highest loanable transaction price of commercial loans and 20% of the minimum down payment. For example, if you buy a house with a price of 6.5438+0 million, you need 200,000 yuan after the down payment is deducted.

2. Second-hand housing: The second-hand housing loan adopts the evaluation price, with the highest evaluation price of 80%, while the evaluation price is only 80%-90% of the transaction price, so the down payment of second-hand housing is high, generally around 40%.

Second, what should I do if I still need a down payment?

1, some developers will give property buyers some activities, such as installment down payment. The down payment installment means that the buyer can give the corresponding down payment according to the proportion of the total amount and sign a loan contract, and the remaining down payment can be made up within the agreed time. The down payment paid by the developer does not require interest. The buyer and the developer can sign relevant contracts and stipulate the specific time of repayment by installments and the liability for breach of contract.

2. Buyers can apply for a credit card and then pay the down payment with it. First of all, you need to know whether banks can use credit cards. If you pay the down payment by credit card, you should pay back the credit card on time, and don't be overdue, which will have a certain impact on yourself.

Nowadays, many non-bank institutions can provide down payment loans to buyers. You can apply for loans from such financial institutions and make a down payment on your house. There are many products on the market now, some cooperate with banks, some raise funds and lend by themselves, and there is a P2P platform lending model.

Article summary: The above are the minimum down payment for buying a house shared by Bian Xiao, and the matters needing attention in buying a house. I hope I can help you. Buying a house is a big deal. We all need to know something about buying a house in advance before we can buy a satisfactory house.

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