Take Jinan as an example. At present, the interest rate of commercial personal housing loan for the first set of housing is basically 4.6%. After the implementation of the differentiated housing credit policy, the interest rate of the first commercial individual housing loan is expected to drop to 4.4%. Implement differentiated housing credit policies and release clear signals. "The competent authorities allow banks to cut prices by another 20 basis points, which will reduce the burden of just-needed buyers and reduce the cost of buying houses, which will have a certain effect on just-needed buyers. However, ultimately, it depends on the specific implementation of the bank.
2. Can I apply for preferential interest rate when I buy the first home loan in Jinan now? which ...
The loan interest rate of second-hand houses is the same as that of new houses. For a new house, if the developer decides which bank you want to borrow, it may reach an agreement with the bank, and the interest rate will be favorable, but you should know that the wool is on the sheep, so it is actually the same. Don't trust some means of developers, or consult the bank yourself. At present, there seems to be news that the first home loan is discounted in Jinan and Qingdao, Shandong Province. You can consult more banks. If provident fund loans are used, the interest rate is personal housing provident fund loans for more than five years.
3. What is the interest rate of the first home loan in Jinan?
The interest rate of the first home loan in Jinan, the commercial loan will rise by about 15%, and the interest rate is 5.635%; Provident fund loans will not rise, and will be implemented according to the benchmark interest rate of the central bank, with an interest rate of 3.25%. However, the interest rate of applying for the first set of housing commercial loans through different banks in Jinan should be subject to the examination and approval results. Generally speaking, the better the credit conditions, the smaller the floating interest rate.
It is worth mentioning that with the tightening of property market regulation, the amount of bank mortgage business is tight, and many people can't afford the next installment when they apply for the first home loan in Jinan. Therefore, everyone should consider the next payment interest rate when choosing a mortgage bank.
4. 202 1 Jinan first suite interest rate?
According to national regulations, the bank's mortgage interest rate needs to be determined by the latest LPR interest rate issued by the central bank, and the mortgage interest rate of 6.37% is indeed within the legal scope. But for the first home loan interest rate, it is already quite high, and it is not a normal mortgage interest rate.
If the mortgage interest rate applied by buyers is particularly high, or the amount of bank mortgage is particularly tight, buyers hope to mortgage early and accept the extremely high mortgage interest rate.