The interest rate of the first home loan in Tianjin is 4.4%. 1.202 1 Tianjin housing purchase conditions, down payment, loans and other policies. 1. Rules for identifying the first and second houses. At present, the policy implemented in Tianjin is: the family is the unit to recognize housing and loans, and the number of housing loans in Tianjin is the unit to families. Description of the number of loans in the name: a. The real estate is only recognized in this city, and the loan records are networked nationwide. B. the number of non-residential loans does not count. C. There are two loans in the family name. Second, housing mortgage loans are divided into: commercial loans, provident fund loans and portfolio loans (1) down payment ratio of commercial loans, loan term and loan interest rate 1. The first suite is for local registered families, single local registered families and foreign registered families (Tianjin Social Security for two years). The down payment ratio is 30%, the loan term is 25 years at the longest, and the loan interest rate is 30 basis points higher than LPR. 2. Local registered families, single local registered families (only for purchasing Binhai New Area) and foreign registered families (only for purchasing Binhai New Area after two years of social security in Tianjin) can buy two houses. The down payment ratio is 60%, the loan term is 25 years, and the loan interest rate is 60 basis points higher than LPR. 3. Families with three or more sets of local household registration, single local household registration and foreign household registration (Tianjin social security has been completed for two years) can only buy in Binhai New Area, and the full amount is required. Iii. Frequently Asked Questions on Personal Housing Commercial Loans (1) Due to the strict policy of restricting purchases and loans, almost all banks in the Tianjin market currently implement the same interest rate policy, so there is little difference in which bank to choose for mortgage. If it is in the normal free competition environment, the discount of mortgage interest rate is: urban rural commercial banks > joint-stock banks > state-owned banks, that is, in the process of handling mortgage loans, small banks can be given priority to ask if they have more favorable interest rate policies. (2) Qualification requirements of the main lender A. Age: At present, the requirement in prime bank is that the borrower's age plus the loan period should not exceed 75 years old, and some banks have more relaxed requirements. The borrower's age plus the loan period is no more than 85 years old, which can basically meet the housing needs of people of all ages. B requirements for residence and workplace: at present, most banks have no special requirements for residence and workplace, and they can work or live in other places. Some banks will require foreign customers to have local accounts. C. Income: Generally, it is required that the monthly repayment of all individual houses under the name of the borrower's family should not exceed 50% of the family's monthly income. If a person's income does not meet the requirements, the income of his spouse, parents (in-laws) and children can be included in the calculation, and the spouse, parents (in-laws) and children can apply for a loan together with the repayment. (3) The mortgage processing cycle ranges from two weeks to two months; (4) Precautions in the process of mortgage handling A. Don't apply for other loans, don't click on links such as online loan application or quota inquiry, and don't apply for credit card installment. B.don't jump ship. C. don't change your marital status. D. don't have bad credit such as overdue repayment.
2.202 1 what is the interest rate of the first home provident fund in Tianjin?
The first loan interest rate of Tianjin provident fund is 202 1.
The current annual interest rate of provident fund loans is less than five years (including five years) 2.75%; More than 5 years, 3.25%.
Employees who purchase the first set of self-owned housing or public housing property rights shall pay a down payment of not less than 30% of the housing transaction price; Purchase of a second set of self-owned housing Since September 22, 20021,if an employee's family purchases a second set of housing in this city and applies for a personal housing provident fund loan, the loan interest rate is 1. 1 times the first set of housing interest rate in the same period.
3. What is the interest rate of the first home loan in Tianjin?
Tianjin first home loan interest rate 1.7.
4. What is the interest rate of the first home loan in Tianjin?
The interest rate of the first home loan in Tianjin will rise to a certain extent on the benchmark interest rate of the central bank's mortgage, and the specific floating rate is different from bank to bank. You can go to a specific bank in official website or make a phone call.
Central bank mortgage benchmark interest rate:
1, the interest rate of commercial loans for less than five years is 4.75%, and the interest rate of commercial loans for more than five years is 4.9%;
2. The interest rate of provident fund loans for less than five years is 2.75%, and for more than five years it is 3.25%.