Most banks in Hangzhou stipulate that no matter whether the previous loan is one suite or multiple suites, as long as the house purchase loan is fully paid off, you can enjoy the first home loan policy, with a down payment of 30%, and the lowest expected annualized interest rate of the loan can be discounted. Individual banks can get a minimum discount of 10% depending on the lending time. If there are two or more houses with loan balances, all nine banks will suspend the issuance of individual housing loans.

First suite

The minimum down payment ratio of major bank loans is 30%.

The expected annualized interest rate of ICBC, Bank of Communications, China Construction Bank and Zheshang Bank is the benchmark; Agricultural Bank of China, China Merchants Bank, Xingye, Postal Savings and Pufa can enjoy the lowest discount.

Have a suite and pay off the loan.

The minimum down payment ratio for each bank is 30%.

ICBC, Bank of Communications, China Construction Bank, Shanghai Pudong Development Bank and Zheshang are based on the expected annualized interest rate; Agricultural Bank of China, China Merchants Bank and Xingye expect the lowest annualized interest rate; If the Postal Savings Bank agrees to lend money next year, you can apply for a 10% discount on the expected annualized interest rate of the loan. If you need a loan this year, just use the benchmark expected annualized interest rate.

Have two (or more) houses and have paid off the loan.

The minimum down payment ratio of ICBC is 30% for the second set and 40% for the second set, with the benchmark expected annualized interest rate.

The down payment ratio of ABC is 40%, and the expected annualized interest rate of mortgage is the lowest discount.

It is possible for Bank of Communications to make a down payment of 30%, 40% and 50%, and the expected annualized interest rate of loans is different, fluctuating around the benchmark expected annualized interest rate.

CCB made a down payment of 60%, and the expected annualized interest rate of the loan rose by 65,438+00% on the basis of the benchmark expected annualized interest rate.

China Merchants Bank, Industrial Bank and Zheshang Bank make a down payment of 30%, with the benchmark expected annualized interest rate.

30% down payment for postal savings. If you agree to lend money next year, you can apply for a 10% discount on the expected annualized interest rate of the loan. If we must borrow this year, we will only use the benchmark expected annualized interest rate.

There are two sets in PUFA's name. If you apply again, the down payment ratio is 30%, and the benchmark expected annualized interest rate will rise appropriately; There are three houses in the name. If you apply again, the down payment ratio will be 40%, and the benchmark expected annualized interest rate will rise appropriately.

Is the interest rate of the first home loan in Hangzhou discounted?

The interest rate of the first home in Hangzhou is now 4.9% higher than the benchmark interest rate, 5-8% higher than before, and now it is about 10%, which means that the loan interest rate is about 5.39%. Now that the mortgage interest rate is tightening, it is basically impossible to discount. In addition, after the National Day, that is, on June 8 10, the first set of interest rates abandoned the previous benchmark interest rate and adopted the LPR interest rate as the new benchmark. The interest rate of the first suite goes with the market, and no discount is allowed.

Want to know if there is any discount? First of all, you know who is in charge of the mortgage interest rate.

The People's Bank of China has set the benchmark interest rate, but banks and other financial institutions have the freedom to float the interest rate within a certain range based on the benchmark interest rate and inform customers. Reflected in your housing loan is the change of interest rate. For example, in the first half of the year, I wanted to buy a house and found that the interest rate was high and I was reluctant. When the loan interest rate is lowered in the second half of the year, you will get a lot of discounts on the total loan amount.

However, at present, state loans are in a tightening trend, and interest rates are rising day by day, so no bank has a discount, and basically all of them are floating.

Hangzhou property market, which continued to be crazy in the past, easily emptied the bank quota, which led to the rising mortgage interest rate by leaps and bounds, from 5% and 10% to 15% and 20%, and even news of a 30% rise. Do you still expect a discount?

At present, the interest rate of the first suite of most banks has risen by 20%, and the interest rate of the second suite has basically remained at around 25%. In the first suite, the interest rates of four banks, namely Jingzhou Sub-branch of Agricultural Bank, Sandun Sub-branch of Hangzhou Bank, Hangzhou Sub-branch of Nanjing Bank and Xixi Sub-branch of Bank of Beijing, rose the lowest 15%.

At present, the interest rate of the first suite of most banks has risen by 20%, and the interest rate of the second suite has basically remained at around 25%. Where is the discount? The latest loan interest rate table in Hangzhou is like this.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

Hangzhou 2065438+2007 Housing Provident Fund Loan New Deal

20 17 Hangzhou provident fund loan policy:

The first is to adjust the down payment ratio of second-hand housing loans. If employees use the housing provident fund loan to purchase the first suite as a second-hand house, the age of the house is less than 5 years (inclusive) and the construction area is below 140 square meters, the down payment ratio of the loan shall not be less than 20%; If the building area is more than140m2 (inclusive), or the house age is more than 5 years but less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house is over 20 years old, the down payment ratio of the loan shall not be less than 40%.

For workers' families who own a house and have settled their house purchase loans, if they apply for housing provident fund loans to buy second-hand houses again in order to improve their living conditions, the first home loan down payment ratio policy will be implemented.

Second, relax the term of second-hand housing loans. Workers who use housing provident fund loans to buy second-hand houses shall not exceed 50 years of loan life and housing age.

Three, relax the provident fund loan conditions in different places. For employees who normally deposit housing provident fund outside Hangzhou and buy self-occupied housing in Hangzhou, they can apply to Hangzhou Housing Provident Fund Management Center and its sub-centers for individual housing provident fund loans in different places. The loan conditions, loan amount and handling procedures shall be implemented in accordance with the relevant policies and regulations of Hangzhou Housing Provident Fund loans.

20 17 the introduction of Hangzhou loan discount is over.