Legal subjectivity: How to calculate the interest of mortgage loan for house purchase, as follows: For houses purchased with commercial loans, 70% of the house price can be assessed with loans for the first time. If you buy a house with a provident fund loan, you can borrow 80% of the appraised house price for the first time (within 90 square meters, 70% over 90 square meters). The calculation method of down payment for buying a house is: down payment = total house payment-customer loan amount. Loan amount = contract price (market price) ×80% (the first loan amount can be up to 80%). Generally speaking, according to the existing implementation standards of the first suite, the down payment ratio of new house commercial loans is 30%, the down payment ratio of first suite provident fund loans is less than 20%, and the down payment ratio of more than 90% housing provident fund loans is not less than 30%.
Legal objectivity: Article 10 of the Measures for the Administration of Individual Housing Loans shall reasonably determine the loan term according to the actual situation, but the longest term shall not exceed 20 years. Article 11 The borrower shall work out a repayment plan with the loan bank. If the loan term is within 65,438+0 years (including 65,438+0 years), the borrower will repay the principal and interest at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly. Article 12 The interest rate of individual housing loans issued by credit funds shall be lowered (excluding floating) according to the legal loan interest rate. That is, if the loan term is less than 1 year (including 1 year), the legal loan interest rate of less than half a year (including half a year) shall be implemented; If the term is 1 to 3 years (including 3 years), the legal loan interest rate of 6 months to 1 year (including 1 year) shall be implemented; If the term is 3 to 5 years (including 5 years), the legal loan interest rate 1 to 3 years (including 3 years) shall be implemented; If the term is 5 to 10 years (including 10 years), the legal loan interest rate shall be implemented for 3 to 5 years (including 5 years); If the term is more than 10 year, it will rise appropriately on the basis of the legal loan interest rate of 3 to 5 years (including 5 years), and the maximum floating rate will not exceed 5%. Thirteenth individual housing loan interest rate issued by the housing provident fund shall be implemented on the basis of three-month lump-sum deposit interest rate. If the loan term is 1 to 3 years (including 3 years), add 1.8 percentage points; The term is 3 to 5 years (including 5 years), plus 2. 16 percentage points; For the term of 5 to 10 years (including 10 years), add 2.34 percentage points; 10 to 15 (inclusive), plus 2.88 percentage points; The term is 15 to 20 years (including 20 years), plus 3.42 percentage points. Fourteenth individual housing loans 1 year (including 1 year), the contract interest rate, in case of legal interest rate adjustment, interest-free by stages; If the loan term exceeds 1 year, if the legal interest rate is adjusted, the new interest rate regulations will be implemented at the beginning of next year according to the corresponding interest rate grades.
Second, Yiwu first home loan interest rate
Between 39% of the first suite in Yiwu. According to relevant information, the mortgage interest rate of the first suite is independently priced according to the market and policy conditions, and the interest rates of different regions, different banks and financial institutions may be different. Monthly interest rate = annual interest rate ÷ 12, such as 5.39%÷ 12=0.4492% daily interest rate = annual interest rate ÷365, 5.39%÷365=0.0 148% partial silver 5%. However, the actual interest rate also depends on the borrower's ability and other factors, and the specific interest rate needs to be inquired and confirmed by consulting local banks or financial institutions.
Third, the first home loan interest rate
Benchmark 7.05
Fourth, the interest rate of the first suite in Anhui?
At present, the mortgage interest rate of a commercial house in Hefei implements the floating interest rate of lpr New Deal. The interest rate of the first suite is 4.65 123BP, equivalent to 5.88%. This policy was implemented in the second half of 20 19, and the interest rate of the second suite was raised by 49 basis points, equivalent to 6.37%. At present, the interest rate in Hefei is a high interest rate city in China.