Generally, the loan interest rate of apartments will rise by 5%-30%, and different banks will examine and approve according to the credit status of loan applicants. Because the loan period of the apartment cannot exceed 10 years, the benchmark interest rate of the central bank's commercial loan is 4.9%.
202 1 apartment Hangzhou mortgage interest rate
5.88%
The loan interest rate of Hangzhou serviced apartment is 25% higher than the benchmark interest rate. For more than five years, the benchmark interest rate is 4.9%. The loan interest rate for serviced apartments is 6. 125%.
Is the apartment loan interest rate 5.83 high?
The apartment loan interest rate of 5.83 is relatively high.
Before applying for an apartment loan, you must first meet the following conditions: having legal status; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.
Commercial apartments, the loan interest rate rose by 25%. This is the current central bank's benchmark loan interest rate: 0-6 months annual interest rate: 4.35%; 6 months-1 annual interest rate: 4.35%; Annual interest rate1-3: 4.75%; Annual interest rate for 3-5 years: 4.75%; Annual interest rate for 5-30 years: 4.90%.
40-year property apartment loan interest rate?
The interest rate of apartment loan may be higher, because the property right of apartment is only 40 years, and the nature of use is very different from that of individual residence, so some areas will raise the interest rate of apartment loan. Usually, the interest rate of apartment commercial loans basically rises by 20%-30%, and the actual transaction interest rate is around 6.37%. The house can be borrowed from the provident fund. At present, the interest on commercial housing loans has gone up 10- 15%. And some banks may have the same interest rate, but only require a high down payment. Customers can consult local banks before applying for loans.
There is a big difference between apartment loans and personal housing loans. In some areas, buying apartments will not be restricted by the purchase restriction policy. If customers don't know much about the apartment loan policy, they should consult before applying for a loan.
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What is the difference between apartment loans and residential loans except interest rates?
1. Different types of loans: apartment loans are commercial loans, and only commercial loans can be used, not provident fund loans; Moreover, housing can be borrowed from provident fund or commercial loans.
2. The loan down payment ratio is different: residential houses usually have a down payment of 30% for the first suite, but the minimum down payment for apartments is 50%.
3. Different loan terms: generally, the longest loan term for a house is 30 years, while that for an apartment is 10 years.
The difference between a house and an apartment
1, different living comfort
Ordinary houses are mostly two stairs, three households or four households, with few people living, which will not bring trouble to travel and have better privacy. And apartments are generally two stairs with ten households, or even more, with many people living and low security and privacy.
2, the use cost is different
The utilities of ordinary houses are charged according to the standards of civil hydropower; Commercial apartments belong to commercial houses, and utilities are charged according to the standard of commercial water and electricity consumption. In the long run, the water and electricity expenditure of residential buildings will be half less than that of apartments.
3. Different property rights.
The use authority of ordinary houses is generally 70 years; According to the land type of the plot, the right to use the apartment is generally 40 to 50 years.
4. Solve the differences in household registration laws and regulations.
Commercial apartment is a project built on commercial land, which belongs to commercial nature, so it can't solve the hukou problem. If it is residential, different regions will have different requirements. As long as the corresponding conditions in the region are met, buyers can solve the household registration problem.
5. Different lighting conditions
Some commercial apartments have no windows in bathrooms and kitchens, and balconies are also inner balconies, so the lighting conditions are not very good. According to the Code for Design of Residential Buildings, residential buildings must meet the sunshine, lighting and other related conditions. Therefore, most of the current houses are bright kitchens and bathrooms, and the lighting conditions will be much better than those of commercial apartments.
6. Different taxes and fees
Buying an apartment and a house pay different taxes and fees, and buying an apartment has to bear more taxes and fees. Take a tax as an example. If the only house in the family is satisfied at the same time and the purchase time is more than five years, there is no need to pay a tax. However, if the property sold is a non-residential property, tax will be paid in any case.
7. Different supporting facilities
Apartments need to meet the standards of 24-hour elevator and 24-hour hot water, and most apartments cannot use open flames such as gas; The living facilities of general commercial housing are relatively not so perfect.
What's the interest rate for the apartment loan?
Huxing area is relatively small, the total price of the house is relatively cheap, and many singles buy it. So what is the loan interest rate for buying an apartment? Let's take a look with Bian Xiao!
What's the interest rate for the apartment loan?
The interest rate of apartment loan depends on the regulations of the lending bank, and the interest rate of different business types will be different; Moreover, the loan interest rate will also depend on the lender's credit status, guarantee methods and other factors. 0-6 months annual interest rate: 4.35%; 6 months-1 annual interest rate: 4.35%; Annual interest rate1-3: 4.75%; 3-5 years (annual interest rate: 4.75%; Annual interest rate for 5-30 years: 4.90%.
What are the advantages of the apartment?
1, small and warm, suitable for two people.
The area of the apartment is relatively small, but compared with the large apartment, it is more fashionable and warm, suitable for the world of two people. And a small house is more convenient to clean.
2. Although the sparrow is small, it has all aspects.
Although the apartment area is small, it is fully functional. Although it is relatively compact, it is cost-effective for singles.
3, the surrounding environment is good, and the work life is correct.
The surrounding environment of the apartment is good, the living facilities are abundant, and life, shopping, catering and entertainment are all available, which is not only convenient, but also has a higher quality of life.
4, more personalized property management, safe and thoughtful.
The property management of apartments is more formal, and the supporting facilities will be better than commercial houses, such as intelligent security services and funny housekeeping services, which are beyond the reach of ordinary houses.
5. Appropriate rent
Apartments are easier to rent, because many young people will choose this type of apartment now, which is cheaper than large ones, with better working and business environment and higher cost performance.
6. Save money, be cheap and invest less.
Nowadays, house prices are rising rapidly, which is not affordable for everyone, and most of them are far away from the city center. Although the price per square meter of the apartment is higher, the total price is cheaper than that of the large apartment, and the burden is naturally small.
Bian Xiao concluded: The above is about the interest rate of apartment loans, and I hope it will help you.
This concludes the introduction of how much the interest rate of apartment loans will rise and what the interest rate of apartment loans will be in 2020. I wonder if you have found the information you need?