In all real estate markets, the mortgage interest rate is uniform, and the benchmark interest rate is 4.9%. The difference of interest rate fluctuation is mainly based on your first two sets of judgments. If the first suite is purchased by a family (husband and wife plus minor children), the down payment is generally 30%, the loan is up to 70%, and the benchmark loan interest rate rises 10%- 15%. If a family (husband and wife plus minor children) buys a second suite, the general down payment is 40%, the maximum loan is 60%, and the benchmark loan interest rate rises by 20%-25%.

Chongqing's limited loan policy for non-local employees. Most projects will not support loans from non-local employees. Even if some projects are done, we should also examine the qualifications and whether they are high-quality employees (whether state-owned enterprises or institutions) In most cases, the interest rate of non-local employees will rise by 30%, but it depends on your housing qualification and the current policy of the selected bank.