The interest rate of the first home loan in Dongguan is generally 4.75%-5.08%, and the second home loan is 4.90%-5.38%.
What is the interest rate of the provident fund loan for the second suite?
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.
What is the interest rate for the second home mortgage?
Second home loan interest rate
The second home loan interest rate of commercial loans, the current second home loan interest rate is implemented according to the benchmark interest rate 1.2 times. The benchmark interest rate for loans over five years is 4.90%, and the execution interest rate is almost 5.88%, and the maximum interest rate cannot exceed 6.37%. 2. The interest rate of the second home loan for provident fund loans is implemented according to the benchmark interest rate 1. 1 times, and the benchmark interest rate for loans over five years is 3.25%, so the interest rate of the second home loan is almost around 3.575%.
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The second suite recognizes both the house and the loan.
At present, most cities choose the principle of recognizing houses and loans, that is, when applying for loans, we should not only look at whether there is a purchase record under the name, but also whether there is a loan record under the name. If yes, the second loan application will be recognized as a second home, and the loan interest rate and down payment ratio should be implemented according to the second home loan.
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The second suite recognizes the house and does not recognize the loan.
The standard for identifying a house is that there is a registered property under the name of the purchaser or family. If you buy a house again and apply for a loan, it belongs to the second suite. If the house is sold, even if there is a loan record, it is not a second suite.
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The second suite accepts loans but not houses.
Recognizing loans and housing only pays attention to whether individuals or families have a record of applying for loans to buy a house. If there is a set of real estate loans outstanding, buying a house is also considered as two sets. If the loan is settled, it is not a second set.
What is the interest rate of the second home loan in Dongguan?
The interest rate of the second home loan in Dongguan is 3% to 5%, and the interest rate will be determined according to the actual situation in the region. Moreover, the down payment ratio of the loan shall not be less than 30%, and the second suite shall not be less than 60%. There are still many preferential policies for buying a house.
What is the interest rate of the second home loan in Dongguan?
1. In order to further improve the housing provident fund personal housing loan policy and support the reasonable housing needs of employees, families who own 1 house and have settled the corresponding housing loans can apply for housing provident fund entrusted loans to buy a second house again in order to improve their living conditions.
2. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate. For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management.
3. Dongguan's new benchmark interest rate: 5.6% for commercial loans within six months (inclusive), 6% for six months to one year (inclusive), 6. 15% for one to three years (inclusive), 6.4% for three to five years (inclusive) and 6.55% for five years or more. Personal housing provident fund loans for less than five years (including five years) is 4%, and for more than five years is 4.5%. According to the second-home loan policy, the annual interest rate of commercial loans for second-home loans over five years is not less than 7.205%.
The deed tax shall be paid by the buyer and the seller. According to the Provisional Regulations on Deed Tax, the deed tax rate is 3%-5%. The applicable tax rate of deed tax shall be determined by the provinces, autonomous regions and people's governments within the range specified in the preceding paragraph, according to the actual situation in the region, and reported to the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China for the record. Therefore, the scope of deed tax collection in various provinces, autonomous regions and municipalities directly under the Central Government is not consistent.
"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. For families who borrow money to buy a second home, the down payment ratio is not less than 40%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate.
The deed tax of the second house in Dongguan is 3%, and the deed tax is levied at a reduced rate of 1% for individuals who purchase the second improved house with an area of 90 square meters or less; If the area is more than 90 square meters, the deed tax shall be levied at a reduced rate of 2%.
What is the loan interest rate for the second suite?
The interest rate of the second home loan should be 1. 1 multiple of the benchmark interest rate.
As the name implies, it is different from a standard of mortgage interest rate. In order to control and influence the changing trend of market house prices, the loan interest rate is different from the first time for users who buy a second house.
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.
The mortgage interest rate in China 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.
The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate.
The interest rate of the second home loan should be 1. 1 multiple of the benchmark interest rate.
As the name implies, it is different from a standard of mortgage interest rate. In order to control and influence the changing trend of market house prices, the loan interest rate is different from the first time for users who buy a second house.
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.
The mortgage interest rate in China 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.
The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate.
Let's stop here for the introduction of the second loan interest rate in Dongguan.