1.20 18 What is the latest mortgage policy?
1. In order to standardize the individual housing provident fund loan policy, according to China's Regulations on the Management of Housing Provident Fund and the State Council's Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities, with the consent of the State Council, the latest individual housing provident fund loan policy includes: the individual housing provident fund loan can only be used to deposit ordinary housing purchased, built, renovated or overhauled by employees to maintain basic housing demand.
2, it is strictly prohibited to use personal housing provident fund loans for real estate speculation. Maintain the continuity and stability of the policy of paying employees' families (including the lender, the lender's spouse and the lender's minor children) to use the personal housing provident fund loan to purchase the first housing. Personal housing provident fund loans to buy the first set of housing, and the construction area of Xing Tao is less than 90 square meters (including 90 square meters), the down payment ratio of the loan to be paid shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan to be paid shall not be less than 30%.
3. Only workers' families whose existing per capita housing construction area is lower than the local average level can apply for using personal housing provident fund loans to buy a second house, and the loans can only be used to buy self-occupied houses. In addition, the down payment ratio of the loan to be paid shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times the loan interest rate of the first individual housing provident fund in the same period.
What is the mortgage interest rate of 2.20 18?
1. The latest benchmark annual interest rate of loans announced by the People's Bank of China is as follows:
(1)0 to 6 months (inclusive), with an annual interest rate of 4.35%.
(2) From 6 months to 1 year (inclusive), the annual interest rate is 4.35%.
(3) 1 to 3 years (including 3 years), with an annual interest rate of 4.75%.
(4) For three to five years (including five years), the annual interest rate is 4.75%.
(5) For 5 to 30 years (including 30 years), the annual interest rate is 4.90%.
2. The loan interest rate is related to the business type, credit status, guarantee method and other factors applied by the buyer, and can only be determined after approval by bank outlets. Recently, major banks have raised mortgage interest rates. Take the four major state-owned banks as an example. In 20 18, the average interest rate of the first home loan in China was 5.43%, which was equivalent to1.1multiple of the benchmark interest rate. More banks will join the ranks in the future.
The above is the introduction of the latest mortgage policy of 20 18 and the mortgage interest rate of 20 18. If you want to buy a house by loan, you must first understand the loan policy, increase the smoothness of loan handling and avoid unnecessary disputes.