How much is the down payment for a house worth 1 million
Now with a loan, it's a lot easier to buy a house. Although you can buy a house with a loan, you also need to pay a certain down payment. The down payment of different houses is different. Some people will ask how much is the down payment for a million yuan house? We not only need to prepare the down payment, but also need to know what we need to pay attention to when buying a house? Only in this way can we ensure the smooth purchase of a house.
How much is the down payment for a million yuan house?
The down payment ratio of the first housing loan is 20% - 30%, and that of the second housing loan is 50% - 70%. The executive interest rate is 1.1 times of the benchmark interest rate. The proportion of down payment will be different in different regions.
The number of first-hand housing mortgage sets, the actual mortgage interest rate, the mortgage ratio and the mortgage term are subject to the bank's approval; generally speaking, the down payment of the first-hand housing is not less than 30%, and the benchmark interest rate is implemented;
The down payment of two sets of housing loans shall not be less than 60%, and the benchmark interest rate shall be increased by 10%; the third set of housing shall not be admitted. At present, there is a big difference in the calculation of loan down payment when buying a new house and a second-hand house. When dealing with a new house loan, the down payment is made according to the market price at the time of purchase as a reference, and according to the number of personal loans and the credit degree of personal loans, the loan proportion is determined through various audits.
Different from the new housing loan, the second-hand housing loan is based on the 'second-hand housing appraisal price' as a reference. The so-called appraisal price is calculated according to the market situation at that time and through the professional appraisal agency designated by the bank.
Generally, the appraisal price of second-hand housing is lower than the market price. Most of the appraisal prices are 80% - 90% of the market value of second-hand houses, and some of them will be lower.
What should we pay attention to when buying a house?
1. Whether the housing procedures are complete (house property certificate, land certificate, deed tax certificate in some areas); whether the property right is clear without dispute (whether there is divorce, property analysis, inheritance, CO owner).
2. Whether the transaction house is under lease (Note: the transaction does not break the lease); whether the land situation is clear.
3. Whether the municipal planning is affected; whether the housing is legal (do not have illegal construction, etc., unable to handle the transfer).
4. Unit housing infringement; water, electricity and heating property costs are in arrears, account migration.
5. Whether the intermediary company violates the rules; whether the contract is clear.
I believe you should have some knowledge about the amount of down payment for a house of 1 million yuan and what you need to pay attention to when buying a house. You need to pay a certain down payment when buying a house. Therefore, you need to prepare the down payment before you are ready to buy a house, so that you can choose a good house. It is also very important to pay attention to the matters of buying a house, because if you don't pay attention a little, you may buy bad houses, so you need to know more about them.