(1) Commercial loan. The interest rates of 202 1 first home loan of commercial banks are as follows:
1. If the loan term is 1-5 years (including 5 years), the interest rate of the first home loan is generally between 4.75% and 6.715%.
2. If the loan term exceeds 5 years, the interest rate of the first home loan is generally between 4.9% and 6.37%.
(2) provident fund loans. 202 1 The interest rate of the first home loan of provident fund is as follows:
1, and the annualized interest rate of loans with a loan term of less than 5 years (including 5 years) is 2.75%.
2. The loan term is more than 5 years, and the corresponding annual interest rate of the loan is 3.75%.
First of all, the loan purchase mainly includes the following contents:
1, housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be preferred when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is extremely low, which is not only lower than the loan interest rate of commercial banks in the same period (only half the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period, that is, there is a spread between the mortgage interest rate of housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage, insurance and other related procedures, the housing provident fund loan fee will be halved.
2. Personal housing commercial loans: The above two loan methods are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund are not eligible to apply for loans, but they can apply for personal housing security loans from commercial banks, that is, bank mortgage loans. As long as your deposit balance in the loan bank is not less than 30% of the funds needed for house purchase, as the down payment for house purchase, with assets recognized by the loan bank as collateral or pledge, or with units or individuals with sufficient compensation capacity as guarantors to repay the principal and interest of the loan and bear joint and several liabilities, you can apply for using the bank mortgage loan.
3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally 6.5438+10,000-290,000 yuan. If the purchase price exceeds this limit, the insufficient part will apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is relatively moderate, and the loan amount is large, which is more for the borrower to choose.