How can I buy a house with only 65,438+10,000 in my hand?

Can I get a loan for the down payment on buying a house?

You can't. According to the national loan housing policy, the down payment of the purchaser cannot be obtained through loans, but the purchaser can increase the down payment in the following ways:

1. Mortgage loan with collateral

If the property buyers have valuable fixed assets, they can mortgage these fixed assets and get a sum of money after the mortgage, and then use the obtained funds to pay the down payment of the house. But you can't borrow too much money, so as not to cause too much debt, so that the house can't apply for mortgage repayment.

2. Down payment and installment payment

In order to sell their houses as soon as possible, some developers will launch down payment by installments. Installment down payment means that the purchaser pays part of the down payment according to a certain proportion and signs a loan contract, and then gives the remaining down payment to the developer within a certain period of time. The down payment made by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, stipulating the installment repayment time and related liability for breach of contract.

3. Choose credit card installment payment

It is very easy to apply for a credit card now, so if money is tight when paying the down payment, you can also choose to cash out the amount in the credit card to pay the down payment. However, after paying the down payment of the house with a credit card, remember to repay it on time, which will not cause overdue repayment, otherwise it will affect your application for a house loan in the future.

4. Choose non-bank institutions to apply for loans.

At present, in addition to banks, there are many lending institutions that can provide loans, and there are many ways to lend. If the down payment for buying a house is not enough, you can also borrow from these lending institutions, but the loan period of these lending institutions is very short, so everyone should consider the problem of repayment.

Down payment limit for buying a house

1. Down payment for the first suite

At present, the policy of buying a house is very strict, which is reflected in the down payment of mortgage. If it is the first home loan, the down payment ratio of commercial loan: 30% for new house 1 suite (new house is the same as second-hand house), but the new house is 30% of the total price and 70% of the total loan price. The second-hand house is 30% of the loan evaluation price, and the rest needs to be paid in the first time. The down payment ratio of provident fund loan: 90_ (including) the first suite shall not be less than 20%; The housing accumulation fund above 90_ shall not be less than 30%.

2. down payment for the second suite.

If it is a second home loan, the situation is different when paying the down payment. Bian Xiao takes most cities as an example. Under normal circumstances, the down payment ratio of the second suite of commercial loans is 60%, and the interest rate is 1. 1 times of the benchmark interest rate. Down payment ratio of provident fund: the down payment ratio of loans shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period.

Can I get a loan by paying the down payment?

Under normal circumstances, most people choose mortgage loans to buy a house, that is, pay part of the down payment and the rest through bank loans. However, for many property buyers with slightly limited economic conditions, they may not even be able to make a down payment. Therefore, this part of the property buyers have a very concerned issue. The following two are the answers given by netizens: nAnswer 1: No, you can apply for a mortgage loan or other kinds of loans first. Then take the loan money as a down payment and then go to the loan. But these are two contracts, not one. In other words, borrow money in other ways first and get the money. Then go to mortgage. N Answer 2: No, the down payment must be paid in cash before you can apply for a loan. As for the source of the down payment, it doesn't matter whether it is a loan, a loan or your own money, but the down payment can't be used for a house loan. You can use other tangible assets to borrow money, so that you can pay the down payment, and the rest can be repaid monthly in the form of loans. These are two contracts, but then you have to face mortgage and down payment, which will make your life very stressful. I hope my answer is helpful to you, thank you!

Can I get a loan for the down payment?

You can't get a loan for the down payment, because if you buy a house with a loan, you need to pay the down payment yourself, and the rest can be used for the loan. About buying a house loan. Housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan.

The process of buying a house by loan is: preparation before house inspection-field house inspection-lottery, house selection-subscription, down payment-online signing, contract signing, down payment-loan-house inspection-tax payment-house book. These processes will be described in detail below. The specific process of buying a house with a loan:

(1) Before preparing to look at the house, you must first determine the type of real estate you want to buy, and then allocate funds reasonably according to the type of house you want to buy.

(2) See the house on the spot to understand the specific situation of the whole building. If you buy an existing house, you can intuitively see the structure and apartment type of the house, and you can also ask the property consultant about the surrounding facilities and planning and construction. If it is an auction house, you can only look at the floor plan to understand the structure of the house. As the surrounding facilities are still under planning, property buyers can check the surrounding planning documents.

(3) house number arrangement and house selection. For some centrally opened properties, developers will require buyers to number the houses, and then choose houses according to certain rules when the real opening day comes. When choosing a house, buyers can make a backup plan in advance, mainly from the following six aspects, including location, price, surrounding municipal planning, environmental support, housing structure and orientation, and property management.

(4) Subscription and deposit Before choosing the house to be subscribed, the buyer needs to prepare the materials for the qualification review of the house purchase in advance, sign the subscription book and hand it over to the staff of the developer. At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.

⑤ After the online signing, signing and down payment are submitted to the house purchasing qualification review, the review results will be issued within 10 working days. If approved, the developer will inform the buyers to sign the purchase contract. (Xianfang: Xianfang sales contract; When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and delivery standard are clear. And pay the down payment. Generally, there will be pos machines in the sales offices, and the UnionPay receipts paid by credit cards should be collected, waiting for the developers to issue down payment invoices. Usually you can get it on the same day.

⑥ Loan If a bank staff is stationed in the sales office, the buyer can hand over the prepared materials to the bank. The lending time is related to the processing speed of banks and the capping of buildings. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of state-managed provident fund loans has nothing to do with capping or not.

Can I get a loan if the down payment for buying a house is not enough?

Can I get a loan if the down payment for buying a house is not enough? According to the relevant regulations, when buying a house, the down payment is not allowed to use the loan. The down payment is equivalent to the down payment when buying a house. If you can't pay in full when buying a house, you can use a bank mortgage loan. Now the requirement for buying a house is to pay a 30% loan in advance. Because banks and relevant departments consider that loans have certain risks, they will ask everyone to pay a certain down payment to prove that they have sufficient repayment ability. How much is the down payment for buying a house? 1, the down payment ratio requires that the down payment for the first suite is 30% of the total house price, and that for the second suite is 60% of the total house price. Also, considering the repayment risk of loans, many banks will require buyers to provide a part of the house down payment to prove your repayment ability. In some places, it is clear that for households with 1 apartment, if they apply for commercial personal housing loans to buy ordinary self-occupied housing again to improve their living conditions, the down payment ratio should be no less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. 2. The down payment amount is determined according to the national policy at that time. For example: 30,000 yuan/flat house, 100 flat house is 3 million. Then, 20% down payment is 600,000, 30% down payment is 900,000, and 40% down payment is 654.38+0.2 million. How to pay the down payment with a loan? 1. Financial institutions have launched a "down payment policy" for young people who want to buy a house, but the down payment is not enough. There are two types of down payment policy loans: guaranteed down payment policy loans are designed for improved buyers: buyers want to sell their existing houses and buy a new one, but the down payment time for selling their own houses and buying a new house may not be exactly the same. If the down payment funds are insufficient in a short time, they will exchange their existing homes for the down payment of new houses. 2. Unsecured down payment policy loans seem to be more popular at present: there is no collateral, and it is all based on "stricter review" to provide down payment loans for buyers. However, many cities have urgently stopped the "down payment policy". It is said that the financial departments, including Bank of China and China Banking Regulatory Commission, are paying close attention to the financing risks of the real estate industry in some areas, and plan to introduce measures to crack down on the down payment of housing loans. What do you mean by down payment? House down payment refers to: in commercial housing transactions, down payment is one of the initial economic conditions for buyers to apply for mortgage loans. If the buyer can't pay off all the house payment in one lump sum, he needs to apply for a mortgage loan from the bank. At this time, he must prove to the lender that he has the financial ability to repay the loan, that is to say, he can provide cash accounting for 30% or more of the current total house price to prove that he has the ability to repay the loan. After the down payment is paid, the remaining house payment is paid by the bank loan and the buyer, and the lender repays the bank loan and its interest on a monthly basis until all the principal and interest are paid off. Loan methods are mainly divided into equal principal and interest and average capital. Matching principal and interest method refers to a repayment method in which the sum of loan principal and interest is repaid by equal monthly installments, that is, the monthly repayment amount is fixed throughout the repayment period. Average capital method refers to a repayment method in which the borrower distributes the loan amount evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. This repayment method reduces the monthly repayment amount month by month. To sum up, if the down payment is not enough, the bank will not give you a loan, because the bank will also consider the risk and your repayment ability. Only after paying the down payment will the bank mortgage the house to you for a loan. So when buying a house, you can learn more about it and try to make up the down payment before buying a house.

Can I get a loan for the down payment on buying a house?

You can't get a loan for the down payment, but you can get the down payment in the following ways: 1. Mortgage: A borrower can mortgage his fixed assets to obtain a loan. 2. Installment down payment: sign a loan contract with the developer to make up the final payment within a time limit. 3. Choose credit card installment payment. If the bank allows the down payment by credit card, it can be paid in installments. 4. Choose non-bank institutions to apply for loans. Article 7 of the Regulations on the Administration of Urban Real Estate Transfer shall be handled in accordance with the following procedures: (1) The parties to the transfer of real estate shall sign a written transfer contract; (two) the parties to the real estate transfer shall, within 90 days after the signing of the real estate transfer contract, declare the transaction price to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents; (three) the real estate management department to review the relevant documents provided, and make a written reply whether or not to accept within 7 days, 7 days without a written reply, as agreed to accept; (four) the real estate management department to verify the declared transaction price, and according to the need to conduct on-the-spot investigation and evaluation of the transferred real estate; (five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions; (six) the real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.

Can I get a loan for the down payment on buying a house?

1. Can I get a loan for the down payment on buying a house? You can't take out a loan for the down payment on the house. Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment to prove that the individual has the repayment ability. If the personal down payment is not enough, the following measures can be taken: 1. Choose non-bank institutions to apply for loans. At present, there are many non-bank institutions that can provide down payment loans for houses. You can apply for loans from these financial institutions to pay the down payment on your house. 2. Down payment by installment. One activity that some developers will launch is down payment by installment. The down payment installment means that the purchaser pays part of the down payment according to a certain proportion and signs a loan contract, and then makes up the remaining down payment within a certain period of time. The down payment made by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, stipulating the installment repayment time and related liability for breach of contract. 3. Mortgage with Collateral A borrower can obtain a loan with his own fixed assets as collateral, and then use the obtained loan to pay the down payment of the house. But you can't borrow too much money, so as not to cause too much debt, so that the house can't apply for mortgage repayment. Second, what is the process of buying a house with a loan? 1. After confirming that the property you choose has bank mortgage support, the buyers who apply for mortgage should know about the bank's regulations on mortgage loan support for buyers, prepare relevant legal documents and fill in the mortgage loan application form. 2. The bank that signed the house purchase contract received the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it issued a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. 3. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. To sum up, the situation in mortgage to buy a house now belongs to the majority. After signing the house sales contract, the buyers have to pay a down payment, which is about one third of the house price. This down payment must be paid in full, and no loan is allowed. The rest can apply for loans, with a maximum term of 30 years. The repayment method can be equal principal and interest or average capital, as the case may be.