Purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, and the down payment ratio of the loan shall not be less than 30%;
If you have used the loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio shall not be lower than 40%, and the loan interest rate shall not be lower than 1. 1 times of the benchmark interest rate of the same grade in the same period announced by the People's Bank of China. Moreover, the down payment ratio and interest rate of loans should be greatly increased with the increase of housing units, and the specific increase rate should be determined by commercial banks independently according to the relevant principles of loan risk management, but the monthly expenditure of borrowers to repay housing loans should not be higher than it.
The mortgage interest rate for more than 5 years is the same, that is, the benchmark interest rate is 7.83%, and the discount is 15%.