How much is the down payment for a 400,000 house?

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Although it is popular to buy a house with a loan now, it is still necessary to prepare enough funds to pay the down payment, otherwise everything will be impossible. So what is the down payment for a 400,000 house? Besides the down payment, what expenses should be prepared for buying a house? Do you know that?/You know what? Now let's look at everything.

How much is the down payment for a 400,000 house?

How much down payment you need for a 400,000 house depends on which suite you want to buy. If the house you buy belongs to your first suite, the down payment is about 20%~30% of the total house price, that is, the down payment is about 8 ~ 1.2 million; If you buy a second suite, the down payment is about 50%~70% of the total house price, which is about 200 ~ 280 thousand yuan.

Second, what expenses should I prepare for buying a house in addition to the down payment?

1, registration fee

Follow-up will apply for real estate licenses, and registration fees will be paid when going to do real estate licenses, so that the staff of the Housing Authority can register and issue real estate licenses. Generally speaking, for houses with residential property rights, the registration fee is 80 yuan, and for houses with commercial property rights, 550 yuan is required.

2. Insurance premium

When we apply for a loan to buy a house, the bank will ask the lender to buy insurance for the loan, and it will pay the insurance company in one lump sum. Insurance premium to be paid = total house value * loan term * rate. As for the rate, different banks have different rates, and the lowest rate is 0.06%.

3. Property management fee

Property management fees are also a large sum of money, and there are obvious differences in property fees in different communities. Property management fees are generally collected after passing the house inspection. Normally, it is paid this year or once a year, depending on the property. The property fee is determined by the owners' committee and the property through consultation, which is flexible and adjustable.

How much is the down payment for a 400,000 house, and what expenses should be prepared besides the down payment? I'll introduce you here first. You got it? The down payment of 400,000 houses depends on the situation, and it is directly related to which suite to buy.

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