Fujian Construction Bank mortgage interest rates

Fujian Construction Bank mortgage interest rates vary according to the existing mortgage loans. The specific interest rates are as follows:

1. Commercial residential mortgages:

(1) Mortgage loans:

(a) The base interest rate is lower and unsecured: the base interest rate is converted to the base monthly interest rate of 4.75, the discount rate is 0.7, unsecured The interest rate is 3.325.

(b) General loan mortgage: The base interest rate is converted into a base monthly interest rate of 4.75, the discount rate is 0.85, and the mortgage interest rate is 4.0375.

(c) Portfolio loan: The base interest rate is converted into a base monthly interest rate of 4.75, the discount rate is 0.9, and the mortgage interest rate is 4.275.

2. Provident Fund Loan: The base interest rate is 3.25 converted to the base monthly interest rate, the discount rate is 0.7, and the mortgage interest rate is 2.275.

What is the interest rate of provident fund loans in Songxi County, Nanping City, Fujian Province in 2018?

The interest rate on provident fund loans in Songxi County, Nanping City, Fujian Province in 2018 is generally 3.25. If there are special circumstances, the interest can be based on the specific circumstances. Adjustments on application.

What is the amount and interest rate of housing provident fund loans in Zhangzhou City?

If you apply for a personal housing provident fund loan in Zhangzhou City, Fujian Province, the amount of the personal housing provident fund loan shall be in accordance with the relevant regulations on personal housing provident fund loans. .

In the portfolio loan, the amount of the commercial personal housing loan shall not exceed the difference between the house price, the down payment and the personal provident fund loan. The total loan amount of the first-hand housing portfolio loan (that is, the sum of the provident fund loan part and the commercial loan part) shall not exceed 70% of the value of the purchased house (the first-hand house is taken as the transaction price, and the second-hand house is taken as the lower of the appraisal price and the transaction price) ; For the purchase of a second house with a loan, the total loan amount shall not exceed 40% of the value of the house purchased (the transaction price for the first-hand house, and the lower of the appraisal price and the transaction price for the second-hand house). If the relevant laws, regulations, regulatory provisions and local If there are stricter regulations on housing loan policies, such regulations will be followed; the issuance of commercial housing loans for the third set or above will be suspended. The specific amount of the commercial part of a single portfolio loan needs to be determined on a case-by-case basis based on the borrower's repayment ability and credit history.

Personal housing provident fund loans shall be implemented in accordance with the personal housing provident fund loan interest rates of the same period and grade announced by the People's Bank of China and the relevant policies and regulations of the Ministry of Housing and Urban-Rural Development. The interest rate of commercial personal housing loans in the portfolio loan shall be in accordance with the relevant regulations on personal commercial housing loans.

The above content is for your reference, please refer to actual business regulations.

This concludes the introduction to the provident fund loan interest rate and the new provident fund loan policy in Fujian Province. Did you find the information you need?