As people ' s standard of living continues to rise, housing becomes one of the most important assets in a life. Many wanted to buy their own houses, but the down payment ratio was one of their most important concerns. So, what is the rate of down payment for the first suite in Beijing? This paper will analyse this issue from several angles。

What is the rate of down payment for the first suite in Beijing

FIRST, UNDER THE POLICY ISSUED BY THE BEIJING CITY HOUSING COMMISSION, THE RATE OF DOWN PAYMENT FOR THE PURCHASE OF THE FIRST FLAT IN BEIJING IS 251 TP3T. THIS MEANS THAT THE TOTAL VALUE OF A HOUSE IS 1 MILLION YUAN, AND THE PURCHASER HAS TO PAY 250,000 YUAN AS A DOWN PAYMENT. PAYMENT OF THIS AMOUNT IS ALREADY A CONSIDERABLE BURDEN FOR ORDINARY BUYERS。

Second, it needs to be noted that the down payment ratio is not fixed, but will fluctuate as markets change. The Beijing Municipal Housing Commission has on several occasions raised the down payment rate in the face of soaring housing prices in Beijing, in order to curb the trend of rising housing prices, reduce purchasing power and maintain a stable and healthy market。

THIRD, MOST PEOPLE WOULD CHOOSE TO BUY SMALL-HOUSE HOUSES. BECAUSE THE UNIT PRICE OF SMALL-HOUSEHOLDS IS LOWER, IT IS GENERALLY BELOW THE MAXIMUM AMOUNT FOR FIRST-CLASS LOANS, WHICH MEANS THAT BUYERS CAN CHOOSE TO PAY A LOW DOWN PAYMENT, FOR EXAMPLE, BY PAYING A DOWN PAYMENT OF 201 TP3T. FOR LARGE-HOUSEHOLD HOUSES, HIGHER DOWN PAYMENT IS NECESSARY BECAUSE OF THE HIGH TOTAL VALUE。

Finally, let me understand with a sense that the house that we will buy will be the main place for our lives in the coming decades. It is certainly a sense of happiness to go home every day and see the house that you work hard and that you save money to buy. The higher the down payment rate, the greater the financial pressure and risk that will be placed on home buyers, which will also have some impact on families。