1, the commercial loan interest rate of the first home bank in Hangzhou in 2020: the loan interest rate for less than five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.90%.
2. The interest rate of the first home provident fund loan in Hangzhou in 2020: 2.75% for less than five years (including five years); More than five years is 3.25%.
3. Commercial loan interest rate of Hangzhou Second Suite Bank in 2020: the loan interest rate is 4.35% within one year; The loan interest rate within one year to five years is 4.75%; The interest rate for loans over five years is 4.90%.
4. The loan interest rate of the second-home provident fund in Hangzhou in 2020: the loan interest rate is 2.75% within one to five years; The interest rate for loans over five years is 3.25%.
Hangzhou mortgage down payment ratio:
1. The down payment ratio of the first suite of commercial loans is not fixed, and the bank will judge it according to the lender's credit status and financial strength. According to the existing implementation standards of the first suite, the minimum down payment ratio of commercial loans for new houses is 30%. That is to buy a house of100000, then the down payment is at least 300000.
2. Provident fund loans If the provident fund has no rating, it can only be loaned to 800,000 yuan. The specific amount is related to the amount and proportion of provident fund deposit. The calculation method of down payment for the first suite is: down payment = total house price-user loan amount. The down payment ratio of provident fund loans is not less than 20% for the first suite of 90 square meters and below, and not less than 30% for loans above 90 square meters.
Taking the 5-year loan interest rate that buyers usually refer to as an example, the LPR quotation was lowered three times, and * * * was lowered by 20 basis points, from 4.85% to 4.65%, which reduced the cost of buyers. However, LPR, which has not changed for a long time, continues to rise. According to the monitoring data of mortgage interest rates of 674 bank branches in 4 1 key cities in China by Rong 360 Data Research Institute, in February (the data monitoring period was 65438+1October 20th-1February 8th), the average interest rate of the first home loan in China was 5.26%, up 4BP (basis point,/kloc) from the previous month. The average interest rate of the second home loan was 5.56%, up 3BP from the previous month.