In some cities with restricted purchases and loans, the down payment ratio of commercial loans is 20% for the first suite and 30% for the second and third suites.
2. Differences in loan interest rates
Mortgage interest rates are rising all over the country, and the interest rates of the second and third suites are definitely higher than those of the first suite, so the loan interest rates of the first suite and the second and third suites in different banks and cities are different.
Extended data
On September 30th, 20 14, the Notice of China People's Bank and China Banking Regulatory Commission on Further Improving Housing Financial Services clearly stated that "actively support residents' reasonable housing loan demand";
For families who purchase the first ordinary self-occupied house by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate, which is determined by the banking financial institutions independently according to the risk situation.
On August 3rd, 2065438, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued the Notice on Adjusting the Minimum Down Payment Ratio of Personal Housing Loan of Housing Provident Fund. According to the notice, the minimum down payment ratio of the provident fund that owns 1 house and has settled the house purchase loan is reduced to 20%. From September 20 15 1 day.
2065438+On February 2, 2006, the central bank and the China Banking Regulatory Commission jointly released a message saying that the minimum down payment ratio of commercial personal housing loans for first-time purchase of ordinary housing in cities that do not implement purchase restriction measures is 25% in principle, which can be lowered by 5 percentage points in various places. For families who buy a second home and the loan is not settled, the minimum down payment ratio is not less than 30%.
Baidu encyclopedia-first suite
Baidu encyclopedia-second suite