Suspend the sale of newly-built commercial housing and existing housing to non-urban registered households who own 1 apartment or cannot provide personal income tax or social insurance certificates for more than 1 year in urban areas within two years before the date of purchase.
At present, Hefei implements the policy of "recognizing the house and recognizing the loan", and the mortgage interest rate is calculated by the way of "benchmark interest rate+BP": in the latest round of LPR quotation, the LPR for more than five years is 4.65%.
At present, the interest rate of the first home loan of most banks in Hefei is LPR+ 123 basis points, which is about 5.88%. The interest rate of second-hand houses is LPR+ 172 basis points, which is about 6.37%.
Legal basis: "Several Opinions on Further Promoting the Stable and Healthy Development of the Real Estate Market in Our City" IV. Implement regional housing purchase restriction; Within the urban area (excluding four counties and one city, the same below), the sales of new commercial housing to households with two or more houses in the urban area will be suspended; Suspend the sale of newly-built commercial housing and existing housing to non-urban registered households who own 1 apartment or cannot provide personal income tax or social insurance certificates for more than 1 year in urban areas within two years before the date of purchase.