The specific interest rate of Hefei second home loan is as follows:
1. The interest rate of provident fund loan is higher than that of the first suite 10%, within 5 years (above 3.575%;
2. Commercial loan interest rate: The commercial personal housing loan interest rate for the second suite will be raised by at least 0.6% on the basis of LPR in the same period. According to the report of LPR on May 20th, 2020, the one-year loan interest rate is 3.85%, and the five-year loan interest rate is 4.65%. After the increase, it will be at least 3.873 1% and 4.6779%, depending on the interest rate given by the bank.
According to the statistics of 20021April, the average interest rate of the first home loan in China was 5.3 1%, up by 4BP from the previous month. The average interest rate of the second home loan is.
The average level of mortgage interest rates in 22 cities increased month-on-month, of which 10 cities increased month-on-month 1.
Among the first-tier cities, the interest rate of the loans in the north, Guangzhou and Shenzhen remained stable, and the interest rate of the first home loan increased by 10 basis point compared with last month. Except for foreign banks, the interest rate of the first home loan of all banks is 0.4%, and the interest rate of the second home loan is 5.4%-5.5%.
Among the second-tier cities, the root monitoring data shows that the mortgage interest rate of 2 1 second-tier cities has increased by more than 10 basis points, and Zhongshan, Huizhou and Dongguan rank in the top three. Mortgage in Dalian and Harbin. At present, the average interest rate of the first home loan in Huizhou and Nanning has exceeded 6%, which are 6. 13% and 6.04% respectively.
Second, can I get a loan for buying a second-hand house?
Legal analysis: you can borrow money to buy a second-hand house, but you must meet certain conditions. If the property right of the second-hand house is unclear or has no property right, you can't apply for a bank loan.
Legal basis: Specific Measures for the Administration of Commercial Loans for Second-hand Housing Article 2 The term "personal second-hand housing loans" as mentioned in these Measures refers to RMB loans granted by banks to natural persons who use credit funds to purchase second-hand housing in Chinese mainland. Second-hand housing refers to all kinds of houses that have obtained the ownership certificate issued by the real estate administrative department and can be traded in the secondary housing market, including second-hand housing and second-hand commercial housing.
Third, can the second-hand house 202 1 be used for commercial loans?
202 1, second-hand houses can be loaned commercially. In 20021year, due to the release of the document "no speculation in housing", commercial banks actively implemented the national real estate control policy and tightened the loan amount flowing to the real estate sector, which led to the second-hand housing loans in some cities stopping lending and queuing for signing contracts. This is only the behavior of some banks, and second-hand housing mortgage loans can still be signed normally.
202 1 can I still get a loan if I buy a house now?
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