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20 17 List of housing provident fund loan interest rates and quotas (Chongqing)

Lending time: 5 days for approval and 30 days for lending.

Suitable area: Chongqing

Description of interest rate: updated on February 13.

Housing type, multiple loans, loans for 5 years or less, loans for more than 5 years, interest rate restrictions, maximum down payment ratio.

2.75% (benchmark) and 3.25% (benchmark) for the first residential suite, 20% for the down payment of 600,000 90 flat (inclusive) and 30% for the down payment of 90- 144 flat (inclusive).

Residential second suite 3.03%( 1. 10 times) 3.58%( 1. 10 times) 600,000 yuan, with a down payment of 40%.

The bank interest rate will vary according to the time and place of acceptance and the credit status of the applicant. The above data are for reference only.

Product features:

65,438+0. The maximum loan ratio of personal provident fund loans is 80% of the total house purchase price (70% for second-hand houses), of which the maximum loan fund of personal provident fund does not exceed 400,000 yuan, and the maximum personal loan after participating in the loan does not exceed 1.5 times (600,000 yuan).

2. The actual loanable amount of the borrower must meet the following conditions:

(1) The loan amount of personal provident fund loan = 50% of the sum of the monthly income of the borrower's family. Number of loan cycles (months)

(2) The loanable amount of housing provident fund funds in individual provident fund loans = the sum of the balance of housing provident fund accounts of borrowers and spouses.

(3) If the construction area is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20% (inclusive); If the construction area is 90- 144 square meters (inclusive), the down payment ratio shall not be less than 30% (inclusive); If the construction area exceeds 144 square meters, the down payment ratio shall not be less than 40% (inclusive).

3. The longest loan period of individual provident fund loans shall not exceed 30 years (25 years for second-hand houses and 20 years for brick-concrete structures), and the longest repayment period shall be 10 year after the borrower's statutory retirement age.

4. The down payment for second-hand houses starts from 30%.

5. Cancel the restrictions of provident fund loans on the types of real estate projects. First, cancel the restrictions on the types of real estate projects by provident fund loans, and the provident fund loan service will cover all eligible real estate projects; Second, scientifically and rationally allocate provident fund loan resources, and the amount is directly linked to sales to ensure the effective demand for provident fund loans for hot-selling properties in the market; The third is to cancel the household registration restrictions on paying employee loans in different places, and comprehensively cover the paid employee groups who buy houses in Chongqing.

For more information about real estate, click on "Real Estate Network" in the lower left corner. Real estate network, find a home for love.

20 17 what is the benchmark interest rate of China people's bank loan?

20 17 what is the benchmark interest rate of China people's bank loan?

At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 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), with an annual interest rate of 4.90%;

If you apply for a loan through our bank, the loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

Project annual interest rate%

I. Short-term loans

Within one year (including one year) 4.35

Second, medium and long-term loans

One to five years (including five years) 4.75

More than five years 4.90

Three. The annual interest rate of individual housing provident fund loans is%.

Under five years old (inclusive) 2.75

More than five years 3.25

In view of 20 16, the central bank did not introduce interest rate cuts and RRR policies throughout the year. At the beginning of the new year, the benchmark interest rate of central bank loans is still as shown in the following table:

List of benchmark loan interest rates of China People's Bank in 20 17:

Loan interest rate percentage within 6 months (%)4.356 months-1 year 4.35 1 year to 3 years 4.753 to 5 years 4.755 years or more 4.90 personal housing provident fund loan interest rate percentage (%)5 years or less 2.755 years or more 3.25 years or more.

The benchmark interest rate of 20 17 loan is the same as last year, and everyone can repay as usual. 20 17 whether the central bank will introduce new policies, we will wait and see.

Please check the benchmark interest rate of commercial loans of China Bank on the home page of China Bank official website Financial Information Deposit and Loan Interest Rate (China Bank). /FIMarkets/LiLV/FD32/20 15 10/t 20 15 1023 _ 5824975。 ).

Since 20 12, the interest rate was cut for the first time on 20165438+1October 22nd. In 20 15, interest rates were lowered three times, namely 2015/6/282015/31and 2065438+February 2, 2005.

The annual benchmark interest rate is 4.35%.

From a practical point of view, the basic conditions for loans are:

First, Chinese mainland residents, under the age of 60;

Second, it has a stable address and work or business premises;

Third, there is a stable source of income;

Fourth, there is no bad credit record, and loans cannot be used for stock trading and gambling;

Fifth, have full capacity for civil conduct.

20 14 what is the benchmark interest rate of China people's bank loan?

Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.

The latest loan interest rate is:

The loan for more than five years is 6.15%;

The interest rate is 6.0% for less than five years and more than one year;

The loan interest rate for less than one year is 5.6%.

The People's Bank of China does not lend from the Central Bank. After adjustment, the annual interest rate of general commercial banks is 6. 15%, and the annual interest rate of provident fund is 4.25%.

The benchmark interest rate of China People's Bank for 20 14 years is shown in the following table:

All loan units:

Six months 5.60%

6% a year

One to three years 6. 15%

Three to five years 6.40%

More than five years, 6.55%

What is the benchmark interest rate for 20 17 mortgage?

1 and 20 17 commercial loan interest rate: within six months, the loan interest rate is 4.35%; From half a year to one year, the loan interest rate is 4.35%; For one to three years, the loan interest rate is 4.75%; For three to five years, the loan interest rate is 4.75%; For more than five years, the loan interest rate is 4.9%.

2.20 17 provident fund loan interest rate: within six months, the interest rate is 2.75%; Six months to one year, the interest rate is 2.75%; For one to three years, the interest rate is 2.75%; For three to five years, the interest rate is 2.75%; For more than five years, the interest rate is 3.25%.

Extended data

Conditions and procedures for commercial loans

1. The conditions for commercial loans need to meet four points: ① the applicant's age 18-65 years old; (2) The applicant shall pay more than 30% of the down payment; (3) The applicant should have a stable job and can provide relevant salary certificates; (4) The applicant has good credit and meets the commercial loan standards.

2. When the borrower signs a house purchase contract with the developer, it will pay 30% of the house purchase price; Submit relevant materials to the law firm for review; After receiving the approval of legal opinions, banks sign loan contracts, mortgage contracts and guarantee contracts with buyers.

3, according to the data for mortgage registration, home insurance, contract notarization procedures, and lending. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment, and no penalty will be charged.