Nowadays, many buyers choose mortgage loans to buy houses, so as to reduce the pressure on their own housing funds. If they want to apply for a mortgage loan to buy a house, they must pay attention to the interest rate of personal housing loans. What is the interest rate of individual housing loan? Let's take a look at Bian Xiao's introduction.
What is the interest rate of individual housing loan?
1. At present, the benchmark interest rate of commercial loans with a loan term of more than five years in China is 4.90%. Due to the policy of restricting purchases and loans, banks in different regions have different efforts to adjust the interest rate of the first home loan. According to the survey, the national average loan interest rate for the first home is 5.38%, the loan interest rate generally rises by about 5% to 20%, and the loan interest rate for the second home generally rises by 65,438+. For those who use housing provident fund loans in the same period, the benchmark loan interest rate is 3.25%, and the second home loan interest rate generally rises 10%.
2. The current loan amount is determined by the lender's family (including the lender, spouse and minor children). If the family has applied for housing provident fund loans or commercial loans to buy a house, it will be regarded as a second suite when applying for housing loans again.
3. According to the survey, from February 2065438 to February 2009, the average interest rate of the first home loan in China was 5.63%, which was equivalent to 1. 149 times of the benchmark interest rate, which was 0.53% lower than that in June. In February last year, the average interest rate of the first home loan was 5.46%, up 3. 1 1%. The average interest rate of the second home loan in China is 5.99%.
4. The latest benchmark interest rates for commercial loans are as follows:
All kinds of loans
Unit:%
six months
4.35 One year
4.35 One to three years
4.75 Three to five years
4.75 More than five years
4.905. Interest rate of the first suite of commercial mortgage (at least 30% down payment)
Unit:%
General grant interest rate
1. 1 time (5.39%)
Minimum loan interest rate
1. 1 time (5.39%)
Maximum interest rate
1.2 times (5.88%)
Note: The interest rate in this table is the benchmark interest rate for loans. At present, the interest rate of the first home commercial loan is usually 1. 1 times, and some banks have slightly lowered or raised it). Up to 70% loan (minimum down payment is 30%)
6. Interest rate of commercial mortgage second home (minimum down payment is 30%)
At present, the interest rate of the second home loan is more than 1.2 times or even higher than the benchmark interest rate. Meanwhile, the borrower's loan interest rate
It is related to the qualifications of banks and borrowers. Up to 70% loan (minimum down payment is 30%)
General grant interest rate
1.2 times (5.88%)
Minimum loan interest rate
1. 1 time (5.39%)
Maximum interest rate
1.3 times (6.37%)
7. Interest rate of provident fund loans
deadline
loan rate
Within 5 years (including 5 years)
2.75%
More than 5 years
3.25%
8. Interest rate of provident fund second home loan
deadline
benchmark interest rate
1. 1 times the benchmark interest rate
Within 5 years (including 5 years)
2.75%
3.025%
More than 5 years
3.25%
3.575%
The above is a detailed introduction about the interest rate of individual housing loan, hoping to help everyone. Because the loan amount and loan term are different, the interest rate of individual housing loan will be different. The specific interest rate of individual housing loans should be consulted with local loan banks.
What is the interest rate of the first home loan?
Now house prices are getting more and more expensive, ranging from hundreds of thousands to millions of a suite. Buying a house is a difficult thing for people who have no savings. So many people choose loans when buying a house. The loan interest rates of the first suite and the second suite are different. So what is the interest rate of the first home loan? Let's take a look with Bian Xiao.
1. What's the interest rate for the first home loan?
The average interest rate of the first home loan is 5.43%, which is 1. 1 1 times of the benchmark interest rate, but the interest rates in different cities are different. For example, Shanghai's first home loan interest rate is 5. 16%, Guangzhou is 5.55%, Beijing is 5.47%, Kunming is 5.39%, Fuzhou is 5.4 1%, and Dalian is 5.39%.
Second, what should I pay attention to when buying a house with a loan?
1. Apply for a mortgage according to your ability.
Many people think that the more loans, the better. This is a wrong thinking, because the mortgage is to be repaid. The more loans, the more interest you have to pay. Therefore, the loan amount should be selected according to your own situation, so that the pressure of paying interest every month will not be so great.
2. Prepare loan information in advance.
When you take out a loan, you have to hand in a lot of materials and prepare in advance, which makes the loan more convenient. Loan materials, such as the lender's identity certificate, house purchase contract, social security related certificates, etc. Secondly, if the credit card has a bad record, then the bad record should be eliminated first, or relevant certificates should be issued.
Provide true information
The information provided to the bank must be true. If the false information is detected by the bank, the loan will be terminated, and the developer will bear the responsibility for breach of the pre-sale contract and pay a certain penalty.
4. Don't use the provident fund before applying for a loan.
If the lender uses the balance in the provident fund before the loan, the balance in the provident fund will become zero, which means that the loan amount is zero and the loan cannot be made, so the provident fund cannot be used before the loan.
What's the interest rate for the first home loan?
Now basically every family can buy a house, not because there are many people, but because there are loans to buy a house. Buyers only need to pay a certain down payment, and the rest of the house can be loaned to the bank. This policy provides convenience for families with housing needs and insufficient funds, but they must pay relevant interest when choosing a mortgage loan to buy a house. Generally, the loan interest rate for buying the first suite will be lower than that for the second suite, so what is the interest rate for the first home loan? Let's take a look with Bian Xiao.
1. What's the interest rate for the first home loan?
1, commercial loan, the average interest rate for applying for commercial loan to purchase the first suite is about 5.38%, and 5%-20% is implemented on the basis of the benchmark interest rate of 4.90%. Of course, there are also some gaps in the adjustment of local policies and banks; 2. Provident fund loans. It is fixed to apply for a provident fund loan to buy the first suite. The interest rate of loans for more than five years is 3.25%, and the annual interest rate of loans for less than five years is 2.75%.
Second, what are the benefits of being the first suite?
Each region has different standards for the identification of the first suite, which can be divided into three ways: house recognition, loan recognition, loan recognition and house recognition. Once the first suite is confirmed, there will be many preferential policies when applying for a loan. The first advantage is that the down payment ratio is low, which is very important for buyers with insufficient down payment. Generally, the down payment for the first suite only needs about 30% of the total house price.
Secondly, it is more favorable in terms of loan interest rate. Generally speaking, the loan interest rate of the first suite is determined according to the benchmark interest rate or the floating interest rate of 10%, while the loan interest rate of the second suite will rise by 20%. If it is recognized as the first suite, the deed tax will be less, and only 1% will be levied for the purchase of houses below 90 square meters.