The down payment ratio of the second suite family is:
Second home loan down payment:
The down payment ratio of the second home will be raised from the current 60% to 70%, and the interest rate will be raised from 1. 1 times to 1.3 times. However, the bank said that it has not received the notice at present, and the second home loan policy is still implemented in accordance with "60% down payment for the second home loan and interest rate policy 1. 1 times".
"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children); Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level; Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.
The down payment ratio of commercial loans: 60% for the second suite, and the loan interest rate is 1. 1 times of the benchmark interest rate.
Down payment ratio of provident fund: According to the latest regulations of the Housing Provident Fund Management Committee, as long as the first suite area is 1.20 square meters, when buying the second house, the housing provident fund personal housing loan will not be issued; If the area of the first suite is below 1.20 square meters (inclusive), and the housing provident fund loan is used to purchase the second set of ordinary self-occupied housing, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first set of housing provident fund in the same period.
Second, the latest Zibo first home loan interest rate in 2022.
The interest rate of the first home loan in Zibo generally dropped to 4.9% to 5.0%. Zibo Fangtianxia official website data shows that in mid-April, 2022, the interest rate of individual housing loans in Zibo has been lowered, and for some high-quality customers, the interest rate of the first home loan of banks has generally dropped to 4.9% to 5.0%. In addition, the interest rates of individual housing loans in Liaocheng, Weifang, Jining, Weihai, Dezhou, Rizhao and other cities in Shandong Province have also been lowered. In these areas, the interest rate of the first home loan has generally dropped to 5% to 5. 1%, and the interest rate of the second home loan has dropped to about 5.2%, with a reduction range of 20 to 50 basis points.
3.202 1 Zibo first suite interest rate?
Starting from 202 1, if the floating interest rate of LPR is selected, the mortgage interest rate will be switched once a year.
Since 20 15, the benchmark interest rate of policy loans has remained at 4.9%. Although the floating interest rate has been changing, the previous mortgage has never been adjusted because the benchmark interest rate has not moved.
Since 2020, the central bank has cut interest rates by two rounds of LPR: 1 year LRP interest rate has been lowered from 4. 15% to 3.85%, with a cumulative interest rate cut of 30 basis points; 5-year LPR interest rate: reduced from 4.8% to 4.65%, with a cumulative interest rate reduction of 65,438+05 basis points.
Housing loan is a medium-and long-term loan, based on the 5-year LPR interest rate. Therefore, as long as the floating interest rate is chosen, the mortgage interest rate in 202 1 year will be 15 basis points lower than that in 2020. The floating interest rate of mortgage is officially opened, and the stock mortgage will usher in the first "interest rate cut" since 20 15.
Based on the 30-year mortgage loan 1 ten thousand yuan, the accumulated savings of 202 1 year is 1080 yuan. Although the figure is small, if the central bank continues to cut interest rates in the future, the repayment amount will continue to decrease.
4. What is the interest rate of the first home loan in Zibo?
4.6%。 As of 2023, the interest rate has been lowered, of which the interest rate for the first suite is 5.2%. Zibo, a municipality under the jurisdiction of Shandong Province, is located in Linyi in the south, Dongying and Binzhou in the north, Weifang in the east and Jinan, the provincial capital, in the west, and is located in the efficient ecological economic zone of the Yellow River Delta.