If there is no loan to buy a house, and now I have bought a second suite under my name, can the loan interest rate be calculated according to the first set?

First of all, there are two situations in your first question:

1. Commercial loans: only loans are recognized, but houses are not recognized. There is no loan in your name. The second suite is calculated according to the loan interest rate of the first suite, and the benchmark interest rate is 4.9%. The interest rate will be discounted if the credit is good, and the interest rate will rise if the credit is bad. )

2. Provident fund loan: only recognize the house, not the loan. The real estate in your name is Beijing residence, and the loan is two sets. You can borrow 8 floors with a maximum loan of 800,000.

Second, housing mortgage loans include mortgage business loans (interest rate rises by 30%-40%) and mortgage consumer loans (interest rate rises 10%-20%), and the interest rate will be higher than the normal interest rate of housing loans.

Remarks: See the bank for the specific floating interest rate.

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