首付越少越合适 为什么这么说呢?由于每个人的财富积累不一样,对未来经济收入预期不一样,因而每个人会选择自认为合理的首期付款额。而依据中央银行的规定,购房贷款不超过房价的80％,就是说购房者必须准备20％以上的首期付款。 专家建议购房者最好能申请到70％至80％的抵押贷款,因为在某种程度上,贷款愈多愈好,首期愈少愈好,当然这一切都应控制在购房者的负债能力之内。首期付款额低,就意味着 Why should we say that the down payment less appropriate? Because each person’s wealth accumulation is not the same as expected future economic income is different, so each person will choose to consider themselves reasonable initial payment. According to the provisions of the Central Bank, home loans do not exceed 80% of the price, which means that buyers must prepare more than 20% of the down payment. Experts recommend that buyers should be able to apply for 70% to 80% of the best mortgage loans, because to some extent, the more loans the better, the first less, the better, of course, all this should control the ability of home buyers in debt within. The first payment is low, which means