Choose provident fund loan, with annual interest rate of 2.75% and interest rate of 1-5 years; 6-30 years, with an annual interest rate of 3.25%; Choose a commercial loan with an annual interest rate of 4.75% for 6-30 years. The annual interest rate is 4.90%; Applying for a mortgage loan requires you to have a good reputation and repayment ability; Personal housing provident fund is also to continue to pay.
What does the first mortgage mean? The first commercial housing loan: the down payment ratio of the first suite is not fixed. This is because the down payment ratio of the first suite varies from place to place, so it is difficult to grasp the down payment ratio of the first suite. However, according to the current first suite policy, the down payment for the first suite is 30%.
The first housing provident fund: calculated by family, the first loan can be 80%, 90 square meters or more, and 70%. It should be noted that there is no grade in the provident fund, and generally you can only borrow 800,000 yuan at most, depending on your deposit amount and deposit ratio.
How to treat the "first suite"? The change in the loan interest rate of the "first suite" is directly aimed at the people who just need it, rather than the adjustment of the interest rate of the second home loan. Previously, the minimum mortgage interest rate was 4. 1%, which was "LPR of more than 5 years is 20 percentage points". Although the New Deal defines the lower limit of interest rate reduction as "self-maintenance, reduction or cancellation", the possibility of "reduction" is still great, because the major banks have generally lowered the deposit interest rate recently, thus providing more possibilities for future mortgage interest rates.
What is your understanding of "some cities"? A: According to the notice, the city must meet the requirement of "the sales price of new commercial housing dropped continuously from June to August 2022" in order to lower the lower limit of the loan. According to the statistics of market institutions, there are 23 cities that meet the above requirements, 8 second-tier cities, 5 third-tier cities/kloc-0 and 5 first-tier cities/kloc-0. None of the first-tier cities is from Guangzhou to Shenzhen. The New Deal can not only solve the housing demand of new residents in third-tier cities, but also solve the contradiction of relative excess housing supply in individual cities.
The above is a detailed interpretation of the first home loan policy and what it means. To sum up, the maximum amount of housing loan is 80% of the total value of the house purchased.