Someone has calculated an account. If the house is worth 1 million yuan, the down payment of the housing provident fund used to be 20%, it would cost 200000 yuan
Someone has calculated an account. If the house is worth 1 million yuan, the down payment of housing provident fund is 20%, the interest rate is 3.1%, the down payment is 200000 yuan, the loan is 800000 yuan, and the equivalent principal is 1173000 yuan in 30 years.Now the down payment is 15%, the interest rate is 2.85%, the down payment is 150000 yuan, the loan is 850000 yuan, and the equivalent principal needs to be repaid in 30 years in total 1214400 yuan.
That is to say, on the surface, the down payment and interest have both decreased, but in fact, when there are more loans, the interest will naturally increase.
With this calculation, the reduction of down payment and provident fund is not only not beneficial, but also greatly increases the burden of the people.
Is that really the case?
What I want to say is that house purchase is not compulsory. Whoever needs to buy a house should reduce the down payment ratio, which also makes it possible for many people who cannot afford to pay down. Don't ignore these people, especially in rural areas, where marriage and house purchase are almost kidnapped together. In order to buy a house, down payment is a difficult problem. Reducing the down payment ratio has solved the urgent problem for some people.
In addition, the down payment ratio is not mandatory. This time, it is only to reduce the minimum down payment ratio, but there is no upper limit on the down payment ratio. You can freely choose 30%, 50% or even full payment. Therefore, the figures provided by netizens are only theoretical and one-sided, which does not mean that reducing the down payment ratio for house purchase leads to a common phenomenon of consequences.
Therefore, it is beneficial and harmless to reduce the down payment ratio. For the capable, there is no harm. For the incapable, it can help them tide over the difficulties temporarily.
It is better than getting stuck in marriage because there is not enough down payment.
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