How to calculate the down payment for buying a new house in Heyuan?

Hello, 1, commercial loan. Taking a family as a unit, if it is the first time to buy a house, you can borrow 70% of the appraised price of the house (the appraised price is generally lower than the market price). For example, the market price of a house is 2 million, and the evaluation price is 6.5438+0.8 million. That is, 70% of the loan of 6.5438+0.8 million, that is, 6.5438+0.26 million, and the remaining house price is 2 million-6.5438+0.26 million = 740,000 as the down payment);

2. Taking the family as a unit, if it is the first time to buy a house, you can borrow 80% of the appraised price of the house (within 90 square meters, 70% of the loan over 90 square meters). If the provident fund is not rated, you can only borrow 800 thousand, but it depends on the amount and proportion of your provident fund deposit.

3. Calculation method of down payment for the first suite: down payment = total house price-customer loan amount. Loan amount = contract price (market price) × 80% (the first loan amount can reach 80%).

4. Generally speaking, according to the existing implementation standards for the first suite, the down payment ratio of commercial loans for new housing is 30%, the down payment ratio of provident fund loans for the first suite below 90㎡ (inclusive) shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90㎡ shall not be less than 30%.