if housing loans (including first-hand buildings and second-hand buildings) are handled through our bank, the down payment ratio is as follows:

1. For the first suite, the minimum ratio is 3%, that is, the maximum loan amount does not exceed 7% of the value of the purchased property (adjusted to not less than 25% for cities without "purchase restriction")

2. For the second suite, the minimum ratio is 4%, that is, the loan.

Your specific loanable amount needs to be submitted, which can only be determined after the approval of the outlets. You can directly contact the personal loan department of the local outlets for consultation.

At present, the PBOC has announced the benchmark annual interest rate of loans: -6 months (including 6 months), with an annual interest rate of 4.35%; 6 months to 1 year (including 1 year), with annual interest rate of 4.35%; 1-3 years (including 3 years), annual interest rate: 4.75%; 3-5 years (including 5 years), with annual interest rate of 4.75%; 5-3 years (including 3 years), with annual interest rate of 4.9%; 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 the approval of the handling outlets.