Interest rate of the first home loan in Jinan: the benchmark interest rate of provident fund loans for less than five years is 2.75%, and for more than five years it is 3.25%. The interest rate of commercial loan funds is 4.35% within one year, 4.75% within one to five years and 4.90% over five years.

Jinan's latest housing purchase policy is as follows:

1. Households that are not registered in this city and own 1 sets or above in their names, and have not paid social security or tax payment certificates for more than 1 year, will be suspended from selling their houses in this city.

2. For households with two or more houses in this city, the sale of houses to them in this city will be suspended.

3. Families who move into the six districts of the city according to the policy of purchasing houses and settling down are only allowed to enjoy the policy of 1 time purchasing houses and settling down within five years.

4. If both husband and wife have provident fund, they can borrow 600,000 yuan from the provident fund, and if only one of them has provident fund, they can borrow 300,000 yuan from the provident fund.

Jinan's first home loan interest rate is the latest

The commercial loan interest rate is 5.635%, and the provident fund loan interest rate is 3.25%.

According to the relevant information, the interest rate of the first home loan in Jinan, the commercial loan rises by about 15%, the interest rate is 5.635%, and the provident fund loan does not rise, which is implemented according to the benchmark interest rate of the central bank, and the interest rate is 3.25%. However, the interest rate of applying for the first set of housing commercial loans through different banks in Jinan should be subject to the examination and approval results. Generally speaking, the better the credit conditions, the smaller the floating interest rate.

Jinan generally refers to Jinan city. Jinan, also known as Quancheng, is a prefecture-level city, provincial capital, sub-provincial city, mega-city and the core city of Jinan metropolitan area under the jurisdiction of Shandong Province. It is also the central city of the southern wing of Bohai Rim approved by the State Council.

Jinan housing loan interest rate

1. Pure commercial loan for the first home: the loan interest rate is 4. 1, and the minimum down payment is 20%. Pure commercial loan for the second suite: the loan interest rate is 4.9%, and the minimum down payment is 30%.

2. First home portfolio loan: the interest rate of commercial loan is 4. 1%, the interest rate of provident fund loan is 3. 1%, and the minimum down payment is 30%.

3. Second-home portfolio loan: the commercial loan interest rates are 4.9% and 3.575%, and the minimum down payment is 40%.