The soaring housing prices in Chongqing have put a lot of pressure on those who just need to buy a house. Everyone wants to buy a house they like, but they find it too difficult to buy a house in full. Buying a house by loan is an easy way to buy a house, and they can enjoy many preferential policies when buying the first home loan. Next, Bian Xiao will introduce the interest rate of the first home loan in Chongqing.
What is the interest rate of the first home loan in Chongqing?
The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount. The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times or 1.05 times of the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first home loan to the benchmark interest rate.
How to define the first suite in Chongqing
1, Chongqing bought a suite with a loan, the commercial loan has been settled, and then the loan is used to buy a house-the first set is counted.
2. Chongqing bought a suite with a loan and later sold it. Real estate can't be found through the housing registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy a house-the first set of calculations.
3, Chongqing bought a suite in full, and borrowed money to buy a house-the first set.
4. Chongqing bought a suite in full and sold it later. The house registration system can't find the property, and then borrow money to buy a house-the first set.
5. There are two commercial loan records in Chongqing's personal name, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.
Bian Xiao's conclusion: The above content is about the interest rate of Chongqing's first home loan. I hope I can help you. I believe that after reading the above, what is your interest rate for the first home loan in Chongqing? If you have more knowledge, you can also refer to it in the future.
Changes of mortgage interest rate in Chongqing from 2065438+08 to 2022
The change of mortgage interest rate in Chongqing from 20 18 to 2022 is an overall increase. According to relevant data, the mortgage interest rate in Chongqing in 20 18 was about 4.5%, in 20 19 it was about 4.35%, in 2020 it was 5.25%, in 20021year it was 5.2%, and in 2022 it was 5.5%.
What is the mortgage interest rate of Chongqing Chengdu Bank in 2022?
4.38%。 The mortgage interest rate of Chongqing Chengdu Bank is set by the bank, and the standard set by the bank in 2022 is 4.38%. Chongqing, referred to as "Chongqing", is also known as the mountain city. It is one of the important national central cities approved by People's Republic of China (PRC) as a provincial administrative region, municipality directly under the Central Government, national central city, megacity and the State Council.
Chongqing stock mortgage loan interest rate
The interest rate of Chongqing stock mortgage loan is 4. 1%. At present, the first interest rate of Chongqing mainstream housing commercial loans is 4. 1%, and the second mortgage interest rate is 5.9% (the first loan is not settled). If the first loan is settled, it shall be implemented according to the first interest rate, namely 4. 1%.
Latest mortgage interest rate of Chongqing Rongchang Agricultural Bank
The latest mortgage interest rate of Chongqing Rongchang Agricultural Bank is 5.85% for the first suite. According to relevant information, we can know that the latest mortgage interest rate of Chongqing Rongchang Agricultural Bank is 5.85% for the first suite and 6.05% for the second suite, with a downward adjustment of 10 basis point. It won't be the first time that the mortgage interest rate in Chongqing began to decrease.
Chongqing mortgage interest rate over the years
The change of mortgage interest rate in Chongqing from 20 18 to 2022 is an overall upward trend. The specific mortgage interest rates are as follows:
1, 20 18 Chongqing mortgage interest rate is 4.5%.
2. Chongqing 20 19 mortgage interest rate is 4.35%.
3. The mortgage interest rate in Chongqing in 2020 is 5.25%.
4.202 1, Chongqing mortgage interest rate is 5.2%.
The mortgage interest rate in Chongqing in 2022 is 5.5%.
There are so many mortgage interest rates in Chongqing.