How much is the minimum down payment to buy a house?

The minimum down payment for buying a house can be 20% to 30%. If you want to apply for a loan to buy a house, the bank will give you an advance payment, usually in a certain proportion.

1. If the provident fund loan is used, the down payment for the first set of housing shall be no less than 90 square meters, and the down payment for affordable housing purchased according to regulations shall be 20%; The first house, with a housing area of more than 90 square meters, the down payment shall not be less than 30%, and the provident fund shall be paid continuously for more than 0/2 months.

2. Bank loans, at least 30% of the loans should be repaid. For the second housing loan, the mortgage loan amount shall not be less than 60%, and the loan interest rate shall not be less than the benchmark interest rate 1. 1 times; Banks basically do not accept loans from families of three or more. C purchase loan procedures to buy a house, first of all, you must inquire about the qualifications for buying a house, choose a house, pay a deposit, sign a purchase contract, go through the loan procedures, and then hand over the house. This is something that should be paid attention to before buying a house with a loan.

1, query of purchase conditions

Now buyers must first know whether they are qualified to buy a house. Generally speaking, as long as they are local residents, they can buy the first house locally, but non-local household registration must meet certain taxes and pay social security.

2, the choice of housing

Property buyers should choose their own location, price, apartment type and floor according to their own needs. Then, considering the strength of developers, community facilities, property qualifications and other factors, a house was finally selected.

Step 3 pay the deposit

At this time, property buyers should pay attention to the advance payment or deposit. In this case, the deposit is available.

4. Sign the purchase agreement.

The purchase contract is an important document for purchasing houses and safeguarding rights and interests. Therefore, when signing the purchase contract, it is necessary to carefully check whether there are blank clauses in the contract, whether the responsibilities and rights in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clear, and the delivery date, delivery standard and ownership of the house.

5. Handle loan business

When buying a house, you should choose the most suitable loan method according to your actual situation. Most property buyers will choose loans, usually bank loans and bank loans. According to the repayment method, it can be divided into equal principal and interest repayment and average principal repayment.

6. House acceptance

The buyer can hire a professional home inspector to inspect the house from the inside out according to relevant industry standards, including outdoor venues, roofs, basements, floors, attics, water and electricity facilities, and start heaters, air conditioners and other facilities, and submit a written report to the prospective owner.

The above is the answer to the minimum down payment for buying a house and the loan process for buying a house. I hope the above content is helpful to you.