Can you buy a house without down payment? Do you know the trick of buying a house with zero down payment
In the early days, the government launched a loan to buy a house policy. This policy is deeply loved by people, and the way of loan is also more and more people. Many people choose loans to buy a house one after another. In this way, their capital loss is not very big, and they don't have to be so careful in spending. However, some people's economic situation is not good, and they can't afford to pay the down payment. So what should we do? Can I buy a house without down payment? Can I get a down payment loan? Let's get to know.
Is it OK to buy a house without down payment?
If it's a new house, it's definitely not possible. If it's an old house, it's possible to make the house price higher, not too much higher than the appraisal price
For example, if your house is worth 700000 yuan, the contract should be 1 million yuan, the down payment should be 300000 yuan, and the loan should be 700000 yuan. (in fact, what the seller gets is 700000 yuan of the loan, and it needs to make a yin yang contract) then zero down payment can be realized. However, now the management is strict, and it needs to find a strong intermediary to operate. In the past, many cases of zero down payment, such as intermediary fees, transfer taxes and fees, are not enough for you We still need some.
Can I get a down payment loan?
Under normal circumstances, most people choose the way of mortgage loan to buy a house, that is to pay a part of the down payment for the house purchase, and the rest is paid by bank loan.
1. You can apply for mortgage or other loans first. And then the loan to get the money as a down payment to go to the loan. But it's two contracts, not one. That is to say, we should borrow money in other ways and get the money. Then go to the mortgage.
2. The down payment must be made in cash before applying for the loan. As for the source of the down payment, it doesn't matter whether the loan or your own money, but the down payment can't be made with the house purchase loan. You can use other tangible assets to loan, so that you can pay the down payment, and the rest can be paid monthly in the form of loan. This is the two contracts, but you have to face the mortgage and down payment of the loan, will make your life a lot of pressure.
You can start with a mortgage, or other kind of loan. And then the loan to get the money as a down payment to go to the loan. But it's two contracts, not one. That is to say, we should borrow money in other ways and get the money. Then go to the mortgage.
Is it OK for Xiaobian to buy a house without down payment? Can I get a down payment loan? I believe some people have read the above and have some understanding of this kind of problem. If you don't pay the down payment, you can't continue to buy a house, no matter in that city. So if you want to buy a house, you must solve the economic problems well in advance, and a small part of the down payment loans are accepted, but most of the properties are not.
Now it's much easier to buy a house than before. Now there is at least one choice of loan. Originally, people can only buy a house with the full amount of money, which also puzzles many people. But buying a house with a loan doesn't mean full loan. The down payment needed for buying a house still needs to be paid by themselves, and the rest can be paid off slowly every month. However, some people will ask if the down payment can get a loan when the economy is in a slump? Let's take a look at the minimum down payment for a house? How to get a loan to pay the down payment?
What is the minimum down payment for a house?
There are many kinds of loans to buy a house, including provident fund loans and commercial loans. Each city is slightly different. For the first set, 20% of provident fund loans, 30% of commercial loans, and 40% for the second set of housing. There are differences between non ordinary houses. Before making a loan, you should first know how much money you have in your provident fund account and how much money your unit gives you every month.
Only when you know your own situation can you get a loan. Provident fund is a kind of welfare for employees, and the interest of loan is much lower than that of commercial loan. Generally, commercial loans can be combined with provident fund. If you want to borrow a lot of money, but your provident fund balance is not much, you can make a combined loan.
Determine their own provident fund, is to choose a house. Determine the total price of the house and the down payment. The total price minus the down payment is the loan. Down payment is not a loan, so you have to have some cash on hand. The general down payment is 30%. If you have more money on hand than 30% of the down payment, you can also give cash. The reason for this is to reduce the amount of money you borrow, because the loan requires interest. In terms of the total amount, the more cash you give, the less you borrow. Of course, this depends on your own situation.
How to get a loan to pay the down payment?
The minimum down payment for a new house is 30%, which depends on the economic ability of the buyers. It's better to pay in full, but not with the developers. The more down payment you can make, the less loan you can get, and the shorter the time you have to repay the goods, the less interest you will get.
Second hand housing is generally the lowest down payment of 20%. According to the national regulations, the minimum down payment of new housing is 30% of the total housing price, and the remaining 70% is bank mortgage. The way of installment payment is not what every developer will do, but also belongs to a marketing means and way.
If you don't make up the down payment to buy a house, the probability of success is almost zero. Most of the loans have to pay down payment to continue to apply for loans. There are also a small number of real estate projects that support down payment loans, but that is only a very small number. Moreover, the contracts signed during the loan can be unsatisfactory. The above is the minimum amount of down payment for buying a house? How to get a loan to pay the down payment? All of the introduction, I hope to help you.