1. provident fund loan: the interest rate of the first housing provident fund loan for less than five years (including five years) is 2.75%, and it is 3.25% for more than five years. When buying a second house, the interest rate of the provident fund loan will rise 1. 1% on the basis of the benchmark interest rate, that is, the interest rate of the second house provident fund loan for less than five years (including five years) is 3.025%, and it is 3.575% for more than five years.
2. Commercial loans: The difference in interest rates of commercial loans for the first suite and the second suite shall be subject to the provisions of commercial banks. At present, the interest rate of the first home loan of most banks is 9.5 fold, while the interest rate of the second home loan is 65,438+00% higher than the benchmark interest rate. The difference can be imagined.
What is the difference between the first home loan and the second home loan?
The difference between the first home loan and the second home loan is the down payment ratio. If you are in a city that is not limited to purchase, the down payment for the first house is generally 20%. If you are a second home, the down payment will exceed 30%, and the minimum will reach 30%.
At the same time, in the process of applying for a loan, the loan for the first suite is easier than that for the second suite, especially in the case of tight bank funds during the peak period of house purchase.
The current loan interest rate has been changed to LPR. According to the regulations of the central bank, the interest rate of the second home commercial loan should not be lower than the LPR interest rate plus 60 basis points in the same period, but 60 basis points is only the lower limit of the second home loan interest rate. In the actual implementation of the bank, the interest rate of the second home loan is generally higher than 60 basis points.
In most cities, the deed tax of the first house below 90 square meters is 1%, and the deed tax of the second house is 3%. The deed tax of the first house and the second house in the city is charged at 2% and 4%.
The down payment ratio and interest rate of the first and second home loans are different in different banks and cities. You can consult the bank more when handling loans.