What is the minimum down payment for buying a house?

Under normal circumstances, if buyers choose to buy a house with a loan, they need to consider paying a down payment. First, the minimum down payment for buying a house is not fixed, and the down payment ratio of different loan methods in different regions is different. Strictly speaking, the down payment ratio of commercial loans for new houses is 30%, and the down payment ratio of provident fund loans is not less than 20%. Comparatively speaking, provident fund loans are more cost-effective. Because the differences in each region are different, the relationship between real estate and provident fund management center is different, so the number of loan layers is different. The general situation of down payment for housing loan is as follows: 1. Take buying a house for the first time as an example. If you buy a new house with an area of not more than 90 square meters, the down payment can reach at least 20%. 2. If you buy a house for the second time, the minimum down payment for buying a house is five floors. 3. For three suites, some banks don't give loans. Under normal circumstances, men can bring them to 70 years old, and the longest loan period is 30 years. The requirement is that you have a local account or local social security for more than one year, and you must also provide proof of income and running water, and have no bad records in the bank. Second, what if the bank does not approve the loan after the down payment? 1, developer. If the house cannot be sold due to the developer's reasons, the seller shall bear the liability for breach of contract. If both parties are not at fault, the sales contract may be terminated due to non-imputable reasons. At this point, the buyer and the seller can sign a supplementary agreement to make a new agreement on the payment method. If the two parties fail to reach a new agreement, resulting in the inability to perform the purchase contract, both parties may terminate the purchase contract. 2. Personal reasons. If the buyer can't get the loan and buy the house, the buyer will be liable for breach of contract. And developers have the right to collect a certain amount of liquidated damages in accordance with the agreement in the purchase contract. See the agreement in the house purchase contract for details. Third, is the down payment your pre-marital property 1? If registered under two names, it is generally presumed that the husband and wife have the same property. 2. If the man pays the down payment for buying a house before marriage, but it is registered in the name of the man, according to Article 10 of Judicial Interpretation III of Marriage Law, one of the husband and wife signs a real estate sales contract before marriage, pays the down payment with personal property and borrows from the bank, and repays the loan with the same property after marriage. If the real estate is registered in the name of the down payment, the real estate shall be handled by both parties through agreement at the time of divorce. If no agreement can be reached in accordance with the provisions of the preceding paragraph, the people's court may decide that the real estate belongs to the party with registered property rights, and the unpaid loan is the personal debt of the party with registered property rights. After marriage, the amount paid by both parties to repay the loan and the corresponding value-added part of the real estate shall be compensated to the other party by the party handling the property right registration according to the principle stipulated in the first paragraph of Article 39 of the Marriage Law. I hope the above contents are helpful.

Legal objectivity:

"Notice of the General Office of the State Council on Forwarding the Opinions of the Ministry of Construction and Other Departments on Adjusting the Housing Supply Structure and Stabilizing Housing Prices" Article 5 The housing consumption credit policy shall be appropriately adjusted and treated differently. In order to curb the excessive rise of housing prices, the down payment ratio of individual housing mortgage loans shall not be less than 30% from June 2006 1. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% will still be implemented for those who buy self-occupied houses below 90 square meters.