How much is the down payment for an apartment?

The down payment for an apartment is 50% of the total price of the house. The apartment is commercial in nature, and you can only use commercial loans to buy a house. The down payment must be 50% of the total house price, and the interest rate will also be increased by 10%. In real estate transactions, apartments are classified as non-residential. Buying a house also requires a transaction fee of 0.5%, a construction fee of 550 yuan, and a deed tax of 4%.

At present, apartments are basically located in relatively prosperous areas with convenient transportation. The land use is commercial land. The price of commercial land is cheaper than residential land. Therefore, among the current small-family houses, single apartments are sold for more. Hot.

Before getting an apartment loan, you need to understand the purpose of the land in the housing project. If the property is commercial land, the property rights of the single apartment are for 40 years. If it is residential land, the property rights of the house are 70 years; 40 years of use The period of land belongs to commercial use. When purchasing, you can only choose commercial loans, and you cannot use provident fund loans. You do not enjoy the national first-home purchase policy on loans. You can only borrow 50%, and you need to prepare a 50% down payment; if it is residential land, You can enjoy 70% of the first home policy loan and only need to prepare a 30% down payment.