This is my first time to buy a house. Is it worth paying more? Just pay the down payment.

This is my first time to buy a house. Is it worth paying more? Just pay the down payment. Under normal circumstances, you can apply for a loan only by paying the down payment and the remaining house payment. It is not cost-effective to pay more, depending on your specific situation. If the bank requires more down payment, it can lower the loan interest rate without looking for a guarantor, which is cost-effective. If there is no such preferential policy, and you have sufficient funds at hand, I suggest you pay more down payment and less loan, so the total interest will be less.

If you are applying for a housing provident fund loan, I suggest you pay the minimum down payment as little as possible, because the housing provident fund loan interest rate is low and the repayment pressure is small, so it is more cost-effective to make some investments with sufficient funds at hand.

Can the second-hand house be transferred after signing the contract and paying the down payment? You can go through the transfer formalities.

The process of buying and selling second-hand houses is as follows:

1. The buyer and the seller sign the house sales contract first;

2. The seller shall properly handle the related matters that the house does not meet the transaction transfer conditions;

3. If a property buyer buys a house with a mortgage loan, he should apply for a loan from the bank and get a written reply from the bank; If the buyer pays in one lump sum, this step is unnecessary;

4. Both parties should bring the original real estate license, ID card, etc. According to the requirements of the local housing authority, and to the real estate exchange for trading applications. If you need to pay some taxes in advance before delivery, get the money ready.

5. After successful delivery and receipt from the real estate exchange, the buyer shall pay the down payment to the seller as agreed.

6. After completing the formalities of tax collection, tax payment and transfer, the buyer pays the balance of the house price, and the seller delivers the house to the buyer on the same day.

7. The seller shall assist the buyer to complete the handover procedures of property management office, power supply department and other related matters.

Can I still get a mortgage after paying the down payment? Good credit is fine.

I hope I can help you. If your problem is solved, please adopt it. Thank you.

Can I check out after paying the down payment? Whether you can check out depends on whether there are check-out conditions stipulated by law or contract, not whether you have paid all or part of the house price.

Housing sales contract is a kind of contract. When adjusting a contract, Chinese laws generally stipulate that the agreement shall prevail. Therefore, when the developer and the buyer agree to terminate the contract, the buyer can terminate the contract according to the agreement. If there is no agreement, the buyer may also request to return the house under the following circumstances.

There are two ways to terminate the contract:

1. Both parties reached an agreement through negotiation.

2. Have the legal conditions to terminate the contract.

If the following conditions are met, the contract can be terminated without the consent of the other party, as long as the intention to terminate the contract is expressed to the other party:

1, the conditions for the termination of the contract agreed by the parties;

2. The purpose of the contract cannot be achieved due to force majeure;

3. Before the expiration of the performance period, the other party clearly stated or found himself failing to perform the main obligations by his own behavior;

4. The other party delays the performance of the principal debt and fails to perform it within a reasonable period after being urged;

5. The other party delays the performance of debts or commits other breach of contract, which makes it impossible to achieve the purpose of the contract;

6. Other circumstances of dissolution stipulated by law. Without the above conditions, one party cannot terminate the contract.

Can I check out after paying the down payment? I 'd like to settle my bill.

Bought a house but regretted it. What should I do if I want to check out? Under what circumstances can I return a house unconditionally after paying the down payment for a commercial house?

1, delayed delivery. This phenomenon is more serious. Delayed delivery refers to the failure to get the developer's occupancy notice in time after the delivery date agreed in the contract between the developer and the buyer. Generally agreed overdue delivery period is 30 days to 90 days. If the developer can't deliver the house beyond this time limit, the purchaser can ask the developer to return the house, and ask for double refund of the deposit or payment of interest on the house payment.

2. The developer lacks valid certificates and approvals, which leads to the invalidity of the contract. According to the regulations, developers must have complete documents to sell houses in Gai Lou. If the developer's documents are incomplete, it is illegal to operate, and the contract signed with the buyer is invalid. Because it is an invalid contract, the purchaser should vacate the house and the developer should return the house payment paid by the purchaser.

The developer changed the design without the buyer's consent. In the contract signed between the purchaser and the developer, it is generally agreed that the developer must obtain the consent of the purchaser before changing the design. Otherwise, the developer constitutes a breach of contract and the purchaser has the right to return a house. If the developer changes the type, orientation and area of the house without the consent of the buyer, the buyer may require the developer to return the house according to the contract.

4. Can't get the title certificate. Because of the developer, the buyer can't get the property right certificate within the time limit agreed in the contract. If this condition is agreed, the buyer can request to return the house. In addition, due to the irregular operation of some properties in previous years, some developers defaulted on land transfer fees, which led to the buyers who bought these properties still unable to get the real estate license after staying for many years, and buyers can also request to return a house.

5. Unable to get a loan. When signing a contract, there is an agreement on commercial loan or provident fund loan except one-time payment or installment payment. If it is a provident fund loan, the developer needs to issue relevant information and submit it to the provident fund collection department for review. If the information provided by the developer shows that it does not meet the conditions of provident fund loans, the purchaser can not obtain provident fund loans, and the purchaser can request to return the house. Similarly, if the purchaser cannot apply for a commercial mortgage loan due to the developer's reasons, he can also return a house according to the contract.

6. The error between the measured housing area and the temporary measured area exceeds 3%. According to the new contract, when the absolute error ratio of interior construction area exceeds 3%, the buyer has the right to return the house.

7. The house quality is unqualified. Unqualified housing quality is the "hard injury" of housing, which is rare in Beijing real estate market at present. In this case, first of all, it is difficult for developers to get the "Completion Record Form" and cannot hand over the house. Or after the house is delivered for use, it is verified that the quality of the main structure of the house is indeed unqualified.

8. If the quality of the foundation and main structure of the commercial house is unqualified after testing, the buyer has the right to return the house. The new version of the contract stipulates that if the buyer cancels the house purchase, the seller shall refund all the house payment and pay interest, and if losses are caused to the buyer, the seller shall be liable for compensation. The test expenses arising therefrom shall be borne by the seller.

9. The quality of the house has seriously affected the use. Because the quality of the house seriously affects the normal living use, the court will also support the buyer's request to return a house and ask the developer to compensate for the losses. It is generally believed that the housing quality problem seriously affects the normal living use, mainly because the poor indoor air quality affects the health of indoor residents, and the indoor noise affects the living after the house is moved in.

10, the developer mortgaged the house. If the developer mortgages the house before selling it, or mortgages the house to others after selling it to the purchaser, according to the relevant laws and regulations, if the developer sells the house without telling the purchaser that the house has been mortgaged, the contract is invalid and the purchaser can request to return the house.

Can an auction house in Yantai still get a loan after paying the down payment? Can an auction house still get a loan after paying the down payment? The sales office will tell you that you can borrow money, and you can also ask the bank you want to borrow money, but there are many designated banks, and the development zone is different from Fushan District! The provident fund is even more troublesome. It is best to find an intermediary to save yourself from running back and forth, and they do it quickly!

Can I pay more down payment for buying a house? The down payment ratio of the first suite is 20%-30%, the down payment ratio of the second suite is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions.

The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; Three suites are not allowed.

At present, there is a big difference between buying a new house and buying a second-hand house in the calculation of loan down payment. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans.

Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property.

Generally, the evaluation price of second-hand houses is lower than the market price. Appraisal prices are mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.

How good is the down payment or the monthly payment? When a borrower applies for a personal loan from a bank, it is required to fill in the application form in writing and submit the following materials:

1, my valid identity document;

2. Proof of residential address (household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

The amount of down payment for buying a house should be determined according to income expectations, not blindly: if you buy a house and live in it, you can reduce interest expenses and pay more down payment. If there are good investment channels, the down payment can be less (as long as it reaches the proportion stipulated by the bank). If young people don't have much savings now, but their jobs are relatively stable

Can the second-hand house be renovated after paying the down payment? Can the second-hand house be renovated after paying the down payment? If it is a second-hand house with an existing house, you can decorate it after paying the down payment and getting the key. . .

Because after paying the down payment, it is said that the transaction between the two parties is successful, and the property is theoretically yours. As long as you have a key, you can decorate it completely.

If it is a transfer, the property is your legal ownership.