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3房的首付多少钱呢？谁有价格表。

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3房的首付多少钱呢？谁有价格表。

浏览：39次 | 提问时间： 07-27 09:04

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3个答案

旧衬衣 07-27 09:05

2020年2月2日下午传来好消息，除开北上广深和三亚这5个限购城市外，其它城市，居民购买首套普通商品房的，最低首付比例为25%，各地可以向下浮动5%；而对于已经拥有一套住房而贷款又未结清的家庭，购买第二套普通商品房，商业贷款最低首付比例不得低于30%。这就意味着今后在长沙买房，购买首套房，首付比例可以低至2成了，买房的门槛进一步降低，让更多的刚需购房者能够买的起房子。首付比例降低，贷款的金额加大对每个月还贷金额的影响例如，以一套总价100万的房子来算的话，按照2.5成首付执行，即25万首付+75万贷款，贷款期限30年，按照等额本息的还款方式来计算，每月月供3980元，支付的总利息为68.29万。按照2成首付来算，即20万首付+80万贷款，则每月月供4245元，支付的总利息为72.84元。每月的月供比2.5成首付时，要多支付245元，总的利息要多支付4.55万。首付比例的降低，对于一些每月工资尚可，但又一时拿不出太多钱来支付房屋首付的人来说，是个天大的好消息，让买房梦不再难，也能更好的去房地产库存。说到去库存，就不得不提下面这条好消息了，政策鼓励农民工进城买房，不少地方也为进城买房的农民工提供补贴。湖南省长沙市宁乡县，进城买房的农民购房首套房，贷款的利率可下浮10%。农行宁乡县支行与宁乡县住房保障局签订了合作协议，联合发布了《宁乡县2020年“春天购房行动”补贴政策实施办法》，对于在2020年2月1日至3月31日期间，到宁乡购买商品房的“进城农民”，视情况给予房贷基准利率下浮10%、免除抵押登记费用、减免契税等优惠政策。假如正好要买房，且又符合以上条件的，则可以享受到相关的优惠，能为自己省下不少装修钱呢。

是久伴不深爱 07-27 09:12

购房首付分为商住房，住宅房和门面房
1、商住房的首付是最低需要首付房款总价的50%
2、住宅房的首付是最低需要首付房款总价的30%
3、门面房的首付是最低需要首付房款总价的50%

后来 07-27 09:21

二手房商业贷款：首付3成（例房子总价20万～那么首付3成就是6万～可以贷款14万）二手房公积金贷款：首付的比例和房龄有关。房龄在10年以下的首付最少3成；房龄在10年以上的首付最少4成。

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