How much is the loan interest rate of the second suite higher than that of the first suite?
With the rising housing prices, many people choose to use loans to buy a house when buying a house. However, in order to curb the overheated real estate market, many cities have introduced housing loan restriction policies. There is a big difference between the loans of the first suite and the second suite, so how much is the loan interest rate of the second suite higher than that of the first suite? Let me introduce it to you.
How much is the loan interest rate of the second suite higher than that of the first suite?
At present, the average interest rate of the first home loan in China is 5.56%, the second home loan interest rate is usually higher than the first home loan interest rate, and the first home loan interest rate usually rises by about 20% according to the central bank's benchmark interest rate, that is, the second home loan execution interest rate is 0.2 times of the 65438+ benchmark interest rate. Now the average interest rate of the second set of housing loans is about 5.88%, so the interest rate of the second set of housing loans is about 0.32% higher than that of the first set of housing loans.
The role of mortgage interest rate adjustment
1. The adjustment of mortgage interest rate is mainly because the central bank raises interest rates to reduce credit risk and cool down the bubble real estate market, and to crack down on real estate speculators and speculators who buy multiple houses. Usually, the interest rate of the first home loan can enjoy a 10% discount, while the interest rate of the second home loan is 20% higher than the basic interest rate.
2. To a certain extent, raising the interest rate of second-home loans can curb the rise of housing prices, increase the speculative cost of real estate, reduce the overheated real estate market, and make housing prices closer to the actual value of real estate, which is also conducive to the working class to buy the first home more easily, narrow the gap between the rich and the poor, and increase social stability.
3. The rise of mortgage interest rate will increase the repayment amount when buyers borrow money to buy a house, thus increasing the cost of buying a house. The increase in the interest rate of the first suite has indeed had a negative impact on those who just need to buy a house, resulting in an increase in the cost and difficulty of buying a house, but the monthly supply has not changed much.
The above is about how much higher the interest rate of the second home loan is than that of the first home. I hope to have a certain understanding of the mortgage interest rate, so buyers should understand the current economic situation when buying a house.
What is the interest rate of the second home loan in 2022?
Since 2022, the price of LPR has been lowered by 65438+ three times in June, May and August, and the total price of LPR for five years has been lowered by 35 basis points. At the same time, on May 15, the People's Bank of China and the Insurance Regulatory Commission of the Bank of China adjusted the differentiated housing credit policy, and adjusted the lower limit of the interest rate of the first set of commercial personal housing loans to not less than the quoted interest rate (LPR) of the loan market for the same period minus 20 basis points, while the lower limit of the second set of commercial personal housing loans remained unchanged.
After the LPR was lowered and the lower limit of mortgage interest rate was adjusted, since 2022, the lower limit of the national first home loan interest rate was lowered by 55 basis points, from the original 4.65% to 4. 1%, and the lower limit of the second home loan interest rate was lowered by 35 basis points, from the original 5.25% to 4.9%.
At the third regular meeting of the Monetary Policy Committee held at the end of September, 2022, the People's Bank of China stated that the dividend of LPR reform continued to be released, the transmission efficiency of monetary policy was enhanced, the loan interest rate was stable and decreased, and the RMB exchange rate was expected to be generally stable, with two-way floating and enhanced flexibility. Therefore, the market still has expectations for the future LPR downward adjustment, and it is expected that there will still be room for downward adjustment in the fourth quarter.
In 2022, the bank interest rate of the second housing loan shall not be lower than 1. 1 times the benchmark interest rate of the central bank loan, which is:
1. Commercial loan: the short-term loan interest rate within six months (including six months) is 4.35%, the loan interest rate from six months to one year (including one year) is 4.35%, the medium-and long-term loan interest rate from one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%;
2. Benchmark interest rate of provident fund loans: the interest rate for a period of less than five years (including five years) is 2.75%, and the interest rate for a period of more than five years is 3.25%.
What is the interest rate of the second-home provident fund loan?
Interest on the second-home provident fund loan: the annual interest rate for less than five years (including five years) is 3.85%; The annual interest rate over five years is 4.40%. At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.
Interest on second-home provident fund loans: Bank of China, China Banking and Insurance Regulatory Commission and the Ministry of Housing and Urban-Rural Development jointly issued a document to reduce the down payment ratio of second-home commercial loans from 60% to 40%, and the down payment ratio of first-home provident fund loans to 20%.
If the first home loan has been settled, the down payment ratio of the second home loan will be reduced to 30%. In addition, the Ministry of Finance will also adjust the period of exempting individual commercial housing sales business tax from the previous five years to two years.
Interest rate of second-home commercial loan:
Benchmark interest rate for commercial loans: 5.90%.
Under the new mortgage policy, if you have a/kloc-0 apartment but the loan has been settled, you can apply for a loan to buy a "second apartment", and the loan interest rate can be 30% off the benchmark; At present, there is 1 house, and the mortgage has not been settled. If you borrow again to buy a "second house", the lowest interest rate will rise by 10%.
Interest rate of second-home provident fund loan:
Loan term: 3.85% within 5 years (inclusive); More than 5 years, 4.40%.
At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.
How much is the interest rate of the second suite going up?
The second suite means that after buying the first suite, the house bought again is called the second suite, so how much does the interest rate of the second suite rise? Let's take a look with Bian Xiao!
How much is the interest rate of the second suite going up?
1. According to the relevant national regulations, the down payment ratio for the second home should not be less than 70%, the mortgage interest rate for the second home should be 1. 1 multiple of the benchmark interest rate, the interest rate for the second home for provident fund loans should be 4.5%, and the benchmark interest rate for commercial loans should be 6.55%.
2. For residents who have purchased the first ordinary house, the down payment ratio of the second-home mortgage loan is 30%, and the lower limit of the second-home loan interest rate is 0.7 times of the benchmark loan interest rate; For residents who own a house and have settled the loan, the bank will implement the first set of housing loan policy if they apply for a loan to buy ordinary commercial housing again to improve their housing conditions.
How to identify the second suite?
1. Parents already have a house, and those who buy ordinary commercial houses again in the name of minor children are second suites. According to relevant regulations, family members include borrowers, minor children and spouses, so those who apply for loans again in the name of minor children will be implemented in accordance with the second suite policy.
2. According to the relevant regulations of the New Deal, if you have a property under your name as a minor, you will also borrow money to buy a house as an adult, which is also implemented in accordance with the policy of the second suite.
3. If a personal loan is used to buy a house and sold after settlement, the second house purchased by the loan will also be implemented according to the second suite policy. In other words, although the house with a loan is sold, it is also considered as a second suite.
4. If you use a commercial loan when buying a house for the first time, as long as you have the loan probability, if you use the provident fund loan to buy a house again, whether the mortgage has been settled or not, it will be implemented according to the policy of the second suite.
5. If one party borrows money to buy a house before marriage and wants to buy a house in the name of the other party after marriage, as long as it applies for a loan to buy a house again, it will belong to the second suite, regardless of whether the household registration has fallen together or not, which is also implemented in accordance with the second suite policy.
Bian Xiao concluded: The above is the relevant content about how much the interest rate of the second suite has risen. I hope it will help everyone.
The interest rate of the second home loan rose.
The second suite is the second house under the same owner's name. Now the loan to buy a house has become the mainstream of the public. People will borrow money to buy a house after owning another suite, and the interest rate will not be the same as when there is no room. So what's the interest rate for the second home loan? Let's take a look with Bian Xiao. The second home loan interest rate of rnrnrnrnrnrn 1 If the loan is used to purchase the first self-occupied house, and the construction area is more than 90 square meters (including the lender, the lender's spouse and the lender's children), then the down payment ratio of the loan cannot be less than 30%. Rnrnrn2。 If a second self-occupied house is purchased by loan with a construction area of more than 90 square meters (including the lender, the lender's spouse and the lender's children), 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. rnrnrn3。 If the loan is used to purchase a third or more self-occupied house, and the construction area exceeds 90 square meters (including the lender, the lender's spouse and the lender's children), the down payment ratio and loan interest rate must be greatly increased, and the specific floating amount shall be freely stipulated by commercial banks according to the principle of risk management. Rnrnrn4。 The second home loan interest rate cannot be lower than 1. 1 times of the benchmark interest rate, and the lower limit of the second home loan interest rate is 0.7 times of the benchmark interest rate. Under normal circumstances, commercial banks should raise their benchmark interest rate by 65,438+00%, that is, 7.265,438+0%, on the basis of 6.55 announced by the People's Bank of China. Rnrnrnrn5。 According to the relevant regulations of our country, the interest rate of the second home mortgage loan should be 1. 1 times the benchmark interest rate. The benchmark interest rate for commercial loans is 6.55% (the term is 10 year), and the benchmark interest rate for provident fund loans is 4.5%. Rnrnrn6, the interest rate of the first home loan can enjoy a 15% discount, and the interest rate of the second home loan generally rises by 10%, and the down payment ratio is relatively high. Rnrnrn7。 The floating adjustment of the second home loan interest rate can not only effectively reduce the credit risk of banks, but also reduce the increase of real estate prices and the willingness of real estate, thus alleviating high housing prices, narrowing the gap between the rich and the poor of citizens and enhancing the stability of our country and society. The mortgage interest rate of the second suite of rnrnrnrn is more expensive than that of the first suite, so you must consider it carefully before buying the second suite. The above is the introduction of the floating interest rate of the second home loan. I hope the above content can help friends who are about to buy a second house.
So much for the introduction of raising the interest rate of the second home loan.