What is the minimum down payment for affordable housing?

The minimum down payment for affordable housing is generally 20%, and the down payment amount needs to be determined according to the total house price. For example, in some places, the down payment ratio should not be lower than 50% of the house price, and the loan interest rate should not be lower than 1. 1 times of the first house. Moreover, affordable housing needs to live for five years before it can be listed and traded, and some places have to live in the local area for three to five years. You can buy affordable housing, like some low-income families, or you can apply for affordable housing, like unmarried people, you can buy a one-bedroom apartment.

Can affordable housing be mortgaged? Affordable housing can be mortgaged, but there is a premise that affordable housing must obtain full property rights. If you don't get full property rights, then another part of the property rights of the house is in the hands of the state. In this case, it is impossible to apply for a mortgage loan. After purchasing affordable housing for 5 years, you can apply for all the property rights of the house, but in this process, you need to pay the difference, that is to say, you have to pay the land transfer fee before you can trade or rent it normally.

Is affordable housing a big property right or a small property right? Affordable housing is a big property right house, because affordable housing is a commercial house built by the government and sold to low-income families at a lower price. Affordable housing can handle all the property certificates, but it needs to meet the conditions of 5 years at the time of sale, and the land transfer fee must be paid again.

The above is the content of the minimum down payment for affordable housing. Under normal circumstances, if you want to borrow money to buy affordable housing, the minimum down payment ratio of the loan is 20%, but the specific down payment is also determined according to the total housing price. The higher the total price, the more down payment.