On June 5438+065438+ 10, the number of banks whose down payment for the first home in Fuzhou was reduced to seven, including China Merchants Bank, Agricultural Bank, Postal Savings Bank, Industrial Bank, Industrial and Commercial Bank, China Bank and China Construction Bank.
The expected annualized interest rate of bank mortgage loans is as follows:
1. The expected annualized interest rate discount for the first suite is the lowest: China Merchants Bank and Agricultural Bank.
2. The lowest discount on the expected annualized interest rate of the first suite: Postal Savings Bank.
3. The expected annualized interest rate of the first suite is subject to the expected annualized interest rate: Industrial Bank, Industrial and Commercial Bank of China, Bank of China and China Construction Bank.
In addition to the above seven banks that implemented the first down payment policy, there are three banks in Fuzhou that implemented the first down payment policy of 30%, namely Bank of Communications, Shanghai Pudong Development Bank and China CITIC Bank. The expected annualized interest rate of the first suite of these three banks is the benchmark expected annualized interest rate.
Secondly, the down payment ratio of the second suite in Fuzhou is 40%, and the expected annualized interest rate of the second suite is 10%.
I suggest that if you want to borrow money to buy a house, you should first understand the preferential policies of the expected annualized interest rate of mortgage loans of various banks, then go to the bank to ask about specific matters in person, and then choose the best and most cost-effective bank loan to buy a house.