What is the benchmark interest rate for the first home mortgage in Shenzhen?
1, the state sets the benchmark interest rate, and the bank determines the differential loan interest rate according to various factors, that is, it goes up or down according to the benchmark interest rate. The interest rate is determined by the bank loan purpose, loan nature, loan term, loan policy, personal credit and other related contents. The upper limit is four times the benchmark interest rate for the same period.
2. At present, the benchmark interest rate is generally implemented for the first suite, which is 5. 15% for more than five years, and there is a discount of 3%-5% according to different situations. The benchmark interest rate for second-home or shop loans fluctuates 10%, and it is 5. 15%× 1 = 5 years for more than five years.
3. The first suite refers to a set of benchmark interest rates set by the central bank for applicants to purchase houses on a family basis. Now the benchmark interest rate has been over five years, with an annual interest rate of 6.8%. Banks have the right to increase or decrease on this basis. At present, most banks can consult banks to make appropriate adjustments and specific reductions in loan applicants.
Is the interest rate of the first home loan in Shenzhen discounted?
1. The interest rate of the first home loan is raised to 1.05 times of the benchmark interest rate. If the applicant wants to lend money as soon as possible, he needs to take the initiative to raise the interest rate to 1. 1 times the benchmark interest rate. The first home loan interest rate of some banks in cities across the country not only bid farewell to "discount", but also rose by 5%-30% on the basis of the benchmark interest rate, and some cities even saw banks rise by 50%.
2. In fact, since the beginning of this year, some banks in more than ten cities in China, such as Shanghai and Hangzhou, have successively raised the interest rate of the first home loan, from 30% to 15% to the benchmark interest rate, and now they continue to rise by 5%-30%.
3. In Shenzhen, due to the tight credit line, the interest rate of the first home loan of Shenzhen banks generally arrived early this year 1. CCB has implemented the policy of 1.05 times the benchmark interest rate in Shenzhen, while BOC and Xingye are 1. 1 times.
After reading the above article, we know that housing loans in Shenzhen can be discounted. Everyone must negotiate with the merchants reasonably in accordance with the relevant regulations when purchasing, and strive to buy the best house at the lowest price. The increase in the interest rate of the first home loan is not good news for those who just need to buy a house, which means that the difficulty of buying a house will be greatly increased. Therefore, before buying, everyone must understand the development trend of the basic interest rate of the house and make a reasonable judgment!