I have housing provident fund, but my husband doesn't. We want to buy a house of about 90 square meters in downtown Cangzhou. How much down payment can we make? Our monthly income is 5,000 yuan.

1, you can use your name to buy a house loan, so you can use the provident fund loan. (The cost of provident fund loans is lower than that of bank loans, and the interest rate is lower; And can withdraw personal housing provident fund)

2. If this is your husband and wife's first suite, the down payment is about 30%, depending on your local policy. (Please consult the local housing provident fund management center. ) Generally, banks only lend a few thousand or tens of thousands, and the rest are accounted for as down payment.

3. In addition to the down payment, you should also prepare the real estate license and public facilities maintenance fund of about 1 10,000. This specific charging standard depends on the policy of your local housing authority.