Identification of the second suite and the second suite:
To confirm the loan interest rate of the second suite, or the loan interest rate of the second home loan, we must first confirm how it belongs to the second suite. Then it is to confirm the standard of the second suite. What about the second suite? First of all, the borrower's family is the standard for determining the number of purchases. If you have used bank loans to purchase your own housing, and the per capita housing area is lower than the local average, and then apply for a loan from the bank, the borrower shall provide the query results of the total area of family housing issued by the local real estate management department according to the housing registration information system. Other situations belong to the second suite. All are charged according to the interest rate of the second suite.
Third, the loan interest rate adjustment of the second home loan.
In order to let the central bank better control the credit risk, lower the house price and raise the interest rate. Enjoy a 15% discount on the first home loan interest rate. The interest rate of the second suite generally rose by 10%, and the down payment ratio was higher.
The role of interest rate adjustment of the fourth and second home loans
It can effectively reduce the credit risk of banks. Can reduce the increase in real estate prices. Reduce the willingness to invest in real estate, thus alleviating high housing prices. Narrow the gap between the rich and the poor. Improve social stability.
In short, the adjustment of the second home loan interest rate and the second home loan interest rate is an adjustment and improvement measure of the national housing market policy, which has a restraining effect on the overheated housing market. This has played a role in the overall adjustment and reform of the macro economy.