Before the Spring Festival, the central bank and the China Banking Regulatory Commission issued a notice to reduce the down payment ratio of unlimited urban housing again. The minimum down payment ratio of the first suite can be reduced to 20%, and the minimum down payment ratio of the second suite can be reduced to 30%. Buying a house with a loan has entered the life of buyers now. With the increasing diversification of loan products, buyers no longer have to worry about not getting a loan to buy a house. What we need to worry about now is the mortgage down payment ratio, mortgage interest rate, and how to get the most cost-effective loan to buy a house.
What is the down payment ratio of 1 and 20 16 mortgage?
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According to the current new mortgage policy, the down payment for the first home mortgage must reach at least 30%, and the down payment for the first home purchase in non-restricted cities must reach at least 20%. To 20 15, 12, 17, Hefei, Jinan, Xiamen, Nanning and Changzhou.
Fully implement the 250% policy. Some banks in Shenyang, Xi, Taiyuan, Zhengzhou, Chengdu, Tianjin, Changchun, Dongguan, Nanjing, Wuxi, Foshan, Changsha, Wuhan and other cities have started to implement the 20% down payment policy.
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It should be noted that for the specific identification of "first-time house purchase", the conditions of banks are different. For example, Wenzhou Branch of Minsheng Bank, Wenzhou Branch of Shanghai Pudong Development Bank, and Wenzhou Branch of Huaxia Bank implement the recognition standard of "no mortgage"
Customers ",that is, families who have not made loans or whose loans have been settled, can enjoy the minimum down payment for loans when they buy ordinary commercial housing again, with a ratio of 20%. Therefore, before applying for a loan, you need to consider the individual's specific situation.
Consult the branch that applied for the loan.
The minimum down payment for the second suite is 40%, and cities such as Xi, Taiyuan, Tianjin, Foshan, Zhengzhou, Fuzhou, Urumqi, Zhongshan, Haikou, Tangshan, Nanchang, Changzhou and Baoding have fully implemented the down payment ratio for the second suite of 40%; The implementation rate of North, Guangzhou and Shenzhen is low, mainly 50% -7.
2.20 16 What is the mortgage interest rate?
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The loan interest rate is the most concerned issue for all buyers and those who are ready to buy a house. The current benchmark interest rate is 4.9%. According to the statistics of 527 banks in 35 large and medium-sized cities across the country, in the first home loan business,
On the other hand, by 2065438+February 20, 2005, 68. 18% of banks can provide preferential interest rates for borrowers' first home loans, and the national average interest rate for first home loans is 4.63%. And the average level of the second suite in the same period.
The interest rate is 5.39%. Among the 35 cities monitored by Rong360, 527 banks implemented the benchmark interest rate floating 10%, which is the absolute mainstream of the second home loan at present.
Interest rate.
The down payment ratio dropped to 20%, and the loan interest rate dropped sharply. This is good news for those who are ready to buy a house with a loan, but it will also stimulate the house price to continue to rise. Whether you need to make a decision depends on your own situation. Never make a blind decision.
(The above answers were published on 20 16-03-23. Please refer to the actual situation for the current purchase policy. )
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