Hello, the interest rate of the first home loan in Zhengzhou on 20 19 was determined according to the interest rate standard stipulated by the state. According to the Credit Policy of People's Republic of China (PRC) Commercial Bank, the benchmark interest rate of the first home loan for ordinary residents is 4.9%, and that of the second home loan is 5.9%. In addition, Bank of Zhengzhou also provides a variety of preferential policies, such as the first home loan customers can enjoy preferential interest rates, which can be lowered by 0.7 percentage points at the highest and 0.3 percentage points at the lowest. In addition, Bank of Zhengzhou also provides a variety of loan services, such as mortgage loans, provident fund loans and portfolio loans, which can meet the loan needs of different customers.
What is the benchmark interest rate of Zhengzhou's first home loan?
Buying a house by loan is the normal state now, and loans will involve many issues, such as the applicant's age, salary income, credit history and so on. In addition, we should also know the loan term, loan amount and loan interest rate. And the interest rates of the first suite and the second suite are different, so what is the benchmark interest rate of Zhengzhou's first home loan? Let's take a look with Bian Xiao.
1. What is the benchmark interest rate for the first home loan in Zhengzhou?
1. The benchmark interest rate for the first suite of personal commercial loans is 4.35% for loans with a term not exceeding 1 year, 4.75% for loans with a term of 1 to 5 years, and 4.9% for loans with a term of more than 5 years; 2. The benchmark interest rate of the first home personal housing provident fund loan. The loan term is less than five years and the benchmark interest rate is 2.75%. If the loan term exceeds five years, the benchmark interest rate is 3.25%.
Second, Zhengzhou's new policy of buying houses
1, purchase restriction policy
Zhengzhou once again implemented the purchase restriction policy of 20 16 to 10, which has not been cancelled yet. Its policies have been adjusted many times, and its restricted purchase areas include five districts in the city, Airport Economic Comprehensive Experimental Zone, Zhengdong New District, Economic Development Zone, High-tech Zone, xinzheng city, Xingyang City and zhongmou county, all of which are included in the restricted purchase scope. Local registered families in Zhengzhou are limited to 2 houses, single people are limited to 1 house, and other registered families in cities are limited to 1 house.
2. Lending policy
According to the local government of Zhengzhou, from February 20 16 to June 20 16, the first loan application requires a down payment of more than 30%. For those who have a home loan record under their family name, but can't find the property record in the real estate trading center, they need to pay more than 60% down payment to apply for a loan to buy a house. For those who own 1 house under the family name, but have no record of buying a house with a loan, they also need to make a down payment of more than 60% when applying for a house with a loan.