Interest on the second-home provident fund loan: the annual interest rate for less than five years (including five years) is 3.85%; The annual interest rate for more than five years is 4.40%. At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

Interest on second-home provident fund loans: Bank of China, China Banking Regulatory Commission and Ministry of Housing and Urban-Rural Development jointly issued a document to reduce the down payment ratio of second-home commercial loans from 60% to 40%, and the down payment ratio of first-home provident fund loans to 20%.

If the first home loan has been settled, the down payment ratio of the second home loan will be reduced to 30%. In addition, the Ministry of Finance will also exempt individual commercial housing sales business tax from the previous five years to two years.

Interest rate of second-home commercial loan:

Benchmark interest rate for commercial loans: 5.90%.

In the new mortgage policy, if you have 1 house but the loan has been settled, you can apply for a loan to buy a "second house", and the loan interest rate can be 30% off the benchmark; At present, the house 1 and mortgage are not settled. If you refinance to buy a "second house", the lowest interest rate will go up 10%.

Interest rate of second-home provident fund loan:

Loan term: 3.85% within 5 years (inclusive); More than 5 years, 4.40%.

At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

What is the interest rate of the second home loan of provident fund?

The interest rate of provident fund second home loan is as follows:

1, and the interest rate of the second-home provident fund loan is 1. 1 multiple of the benchmark interest rate of the first-home;

2. Interest rate of provident fund loan: the interest rate of provident fund loan for first-home housing is 2.75% for less than five years (including five years) and 3.25% for more than five years;

3. The interest rate of the second-home housing provident fund loan is 3.025% for five years and below, and 3.575% for five years and above. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans;

4. Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by local housing provident fund management centers, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to the housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who paid the housing provident fund during their employment. In accordance with the provisions that the housing provident fund has been paid for a certain period of time or more, employees can apply for provident fund loans when the funds for purchasing, renovating or overhauling their own houses are insufficient.

The first suite is full, what is the interest rate for the second suite loan?

30%, the down payment for the second home purchase is judged according to whether the consumer has a mortgage balance in the bank. The four major banks will cut interest rates when buying the first home. If it is a second suite, it is generally the benchmark interest rate, and there is no downward float. The loan interest rates announced by the People's Bank of China are as follows:

0-6 months (inclusive), annual interest rate: 4.35%.

6 months-1 year (inclusive), with an annual interest rate of 4.35%.

1-3 years (including 3 years), with annual interest rate of 4.75%.

3-5 years (including 5 years), with an annual interest rate of 4.75%.

5-30 years (including 30 years), annual interest rate: 4.90%.

Interest rate of house purchase loan

Mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

Documents required for loan

Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached).

Original purchase agreement.

1 Original and photocopy of advance payment receipt for 30% or more of the house price.

Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

The developer's collection account number is 1.

prerequisite

/kloc-a natural person aged 0/8-60.

Have the ability to stabilize employment and income and repay loan principal and interest on schedule.

The actual age of the borrower plus the loan application period shall not exceed 70 years old.

There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

Self-raised funds of more than 30% of the total price of the purchased house (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased house.

There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation ability as the guarantor.

After paying off the first home loan, what is the interest rate for buying a second home with a bank loan?

If the first home loan has been settled, even if there is housing under the name of the purchaser, the banking financial institution will still implement the first home loan policy.

That is, the interest rate is the same as the market price of the first suite and the bank. In terms of down payment, the second-home business loan is 40%, and the second-home provident fund loan is 30%.

At present, the bank implements the policy of recognizing loans and not recognizing houses for the second suite. When defining the second suite, if the buyer has registered a loan to buy a house in the bank credit information system and the loan has not been settled, then when applying for a loan to buy a house, the house will be defined as the second suite and above. If all loans have been settled, banking financial institutions will still implement the first home loan policy even if the buyers have a suite. If the purchaser owns two or more houses and has settled the corresponding housing loan, and applies for a loan to purchase a house, the banking financial institution can flexibly grasp the loan interest rate and down payment ratio according to the specific factors such as the borrower's solvency and credit status.

Extended data:

The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. But each commercial bank can float within a certain range. It is not always the same, but it often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

The current benchmark interest rate, current preferential interest rate, benchmark interest rate before adjustment and preferential interest rate before adjustment are as follows:

10 fixed rate loan 8.613% 6.930% 7.953% 7.099%

20-year fixed-rate loan 8.811%7.580% 8.121%7.246%

Five-year floating rate loan 5.760% 4.032% 5.918% 4.204%

30-year floating rate loan 5.940% 4.158% 6.098% 4.350%

Mixed interest rate loan with fixed term of 3 years 7.200% 6.120% 8.045438+0% 7.069%

Mixed interest rate loans with a fixed term of 5 years 7.290% 6.660% 8.121%