According to the down payment ratio of second-hand houses in Guangzhou in 2022, the down payment ratio of second-hand houses in Guangzhou will reach 70% when the first housing loan has not been settled. The interest will also increase from the original 1. 1 to 1.3. According to Guangzhou's housing credit policy, 70% of the down payment for the second purchase is the first purchase; The second time you buy a house, you can apply for a provident fund loan with a down payment of 60%.
The down payment ratio of the second suite in Guangzhou is 70%. The current mortgage interest rate in Guangzhou is: 30% for the first purchase and 70% for the second purchase; You can get 20% of the provident fund for the first time and 60% for the second time. In addition, for the purchase of the second suite, the interest rate shall not be lower than 1. 1 times of the mortgage in the same period.
Employees who have a place or no house under their personal name but have housing loan records can take a second set of housing provident fund loans to purchase ordinary private houses, and the down payment ratio is not less than 60%. The interest rate of provident fund loans is calculated according to the same period interest rate of the first set of housing provident fund loans 1. 1 times.
As banks cut interest rates, many people wonder how much money they can save. But in fact, not everyone can reduce loans. For example, if your loan has a fixed interest rate and the LPR is lowered for five years or more, it will not affect you, and your interest expense will remain the same.
The calculation method of interest is: interest = accumulated interest × daily interest rate, and accumulated interest = daily summary balance. According to the predetermined formula, interest = principal × interest × lending time. There are three types: if the interest-bearing time is a whole year (one month), then interest = principal × interest × year (one month) × interest × interest rate.
If the interest period is a whole year (month) plus fractional days, the calculation formula of interest is: interest = principal × number of years (month) × annual (month) interest rate+principal × zero days × daily interest rate. At the same time, banks can also convert their interest period into 365 days a year (366 days in leap year) plus the actual number of days in each month according to their own preferences.