The preferential policies for the first home in Tianjin are 30% down payment, 20% down payment for pure provident fund loans, 15% off mortgage interest rate and 1%- 1.5% deed tax (less than 90 square meters 1%, more than 90 square meters 1.5%).

First, the first home loan down payment

Policy: For families (including borrowers, spouses and minor children) who purchase the first set of self-occupied housing with a construction area of over 90 square meters, the down payment ratio of loans shall not be less than 30%.

Current situation: 20 12 commercial banks generally require a down payment of 30% or more for the first home loan, but the situation of the first home provident fund loan varies from place to place. In some cities, the minimum down payment can be 20%, and the total down payment is more than 30%.

Second, the first home loan interest rate

Policy: The lower limit of the floating range of individual housing loan interest rate is 0.7 times of the benchmark interest rate.

Status quo: At present, the interest rate of the first home loan among banks is quite different. Some banks can implement a preferential interest rate of 15%, while others mainly focus on the benchmark interest rate, and the preferential interest rate is only for high-quality customers. The mortgage interest rate below 15% is almost no mortgage.