3.7%。 The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. According to public data, the housing loan interest rate in Foshan in May 2022 was 3.7%. The loan will pay interest at the rate set by the bank.
Second, how much is the down payment for buying a second suite in Foshan? How to calculate the loan interest?
Hello! According to the current second-home loan policy, if you buy a second home with a loan in Foshan, the down payment ratio of the loan shall not be lower than 60%, and the loan interest rate shall not be lower than 1. 1 times of the benchmark interest rate. The loan interest needs to be calculated according to your loan amount and loan life. Because your provident fund has only been purchased for half a year, it does not meet the conditions for provident fund loans, so you cannot make provident fund loans.
3. Foshan commercial loan interest rate?
The commercial loan interest rate in Foshan rises 15%-20% for the first suite and 20%-30% for the second suite. The interest rate over five years is 4.90%, 5.635%-5.88% after the increase of 15%-20%, and 5.88%-6.37% after the increase of 20%-30%. The benchmark interest rate of the first home provident fund loan does not rise, that is, the interest rate for more than five years is 3.25%, while the benchmark interest rate for the second home rises by 10%, and the actual interest rate is 3.575%.
/h/ The latest news of Foshan loan interest rate (Foshan loan interest rate 202 1) has been explained above. This article has been shared here.
4. What is the current commercial loan interest rate for purchasing houses in Foshan? How is it calculated?
As of June 2020, 5438+ 10, the annual interest rate of the loan was 4.35%; 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.
According to the individual housing loan interest rate issued by the individual housing loan funds, the legal loan interest rate (excluding floating) goes down. 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; The legal loan interest rate with the term of 1 to March to 1 year (inclusive).
If the term is 1 to 3 years (including 3 years), the legal loan interest rate is 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%.
widening of capital
Relevant requirements of individual housing loan
1. When the financial institution negotiates the conversion terms of the pricing benchmark with the customer, it may re-agree that the minimum period of commercial personal housing loans in the repricing week is one year.
2. If the stock floating interest rate loan is converted into a fixed interest rate, it shall be determined after the conversion, and the interest rate level of the converted commercial personal housing loan shall be equal to the latest execution interest rate level of the original contract.
3. Financial institutions should use official websites, e-mail, mobile banking, etc. to inform customers of the existing floating interest rate loans, negotiate and agree on the specific matters of pricing benchmark conversion, and protect the contractual rights and consumer rights of borrowers according to laws and regulations.