According to incomplete statistics, among the monitored 4 1 cities, the highest interest rate of the first suite in1/city has been lowered, with the highest drop of 35BP；; The second suite also has 10 city, with a maximum drop of 35BP. Because the statistical dimension has the highest interest rate among city banks, the reduction of the highest interest rate in more than 25% cities means that the mortgage interest rate has really dropped. The interest rate of the first suite in Shenzhen is as low as 4.95%.
1. Housing loan, also known as housing mortgage loan, refers to the application form for housing mortgage loan filled out by property buyers to the loan bank, providing ID cards, income certificates, housing sales contracts, guarantees and other documents that must be submitted according to legal documents.
Second, after passing the examination, the loan bank promises loans to the buyers, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.
Third, mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.
Fourth, real estate mortgage loans generally need professional real estate guarantee companies to handle. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, so as to revitalize the real estate held by residents. Among various financing channels, real estate mortgage loans are still one of the lowest cost ways.
5. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower.
Six, in line with the relevant laws and regulations of the housing ownership certificate or proof that I have control over the house; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
What is the interest rate of individual housing loan in Shenzhen?
The latest mortgage interest rate in 2006;
Benchmark interest rate for personal housing commercial loans:
Loan Term (Year) Annual Interest Rate%
15.85
26.03
36.03
46. 12
56. 12
6 (inclusive) or above 6.39
The preferential interest rate of housing loan is: (benchmark interest rate goes down 10%).
Loan Term (Year) Annual Interest Rate%
15.265
25.427
35.427
45.508
55.508
6 (inclusive) above 5.75 1
What is the interest rate for Shenzhen to limit the purchase of second home loans?
The interest rate of the second suite generally rose 10%.
Second home loan interest rate adjustment In order to let the central bank better control the credit risk and reduce the house price, the interest rate is raised. Enjoy a 15% discount on the first home loan interest rate. The interest rate of the second suite generally rose by 10%, and the down payment ratio was higher.
Commercial loans General commercial banks should increase by 65,438+00% on the basis of the benchmark interest rate of 6.55 announced by the People's Bank of China, that is, 7.265,438+0%. According to national regulations, the interest rate of second-home mortgage should be 1. 1 times the benchmark interest rate. The benchmark interest rate for commercial loans is 6.55% (10 year), and the benchmark interest rate for provident fund loans is 4.5%.
Identification of the second suite: to confirm the loan interest rate of the second suite, or the loan interest rate of the second home loan, we must first confirm how it belongs to the second suite. Then it is to confirm the standard of the second suite. What about the second suite? First of all, the borrower's family is the standard for determining the number of purchases. If you have used bank loans to purchase your own housing, and the per capita housing area is lower than the local average, and then apply for a loan from the bank, the borrower shall provide the query results of the total area of family housing issued by the local real estate management department according to the housing registration information system. Other situations belong to the second suite. All are charged according to the interest rate of the second suite.
What are the policies for household registration in Shenzhen?
Shenhu
1, Shenhu has no house and no mortgage record, with a down payment of 30% and an interest rate of10%;
2. Deep households have no housing and mortgage records (including loans in other places, which have been settled), with a down payment of 50% and an interest rate of10%;
3. The deep households have no housing and mortgage records (including outstanding loans in different places 1), with a down payment of 50% and an interest rate of 1. 1 times;
4. Deep households have no housing, and there are two or more outstanding mortgage records in different places, and loans are prohibited;
5. Shenhu 1 Shenzhen real estate with mortgage record (including off-site loans, which have been settled), with 70% down payment and interest rate of10%;
6. Deep households have Shenzhen real estate 1 set and mortgage records (including outstanding loans from different places 1 set), with a down payment of 70% and an interest rate of 1. 1 times;
7. Shenhu has 2 properties in Shenzhen, and loans are prohibited;
8. Single households (including divorced households) with no housing and mortgage records, with a down payment of 30% and an interest rate of10%;
9. Deep households are single (including divorced), have no housing, have mortgage records (including off-site, the loan has been settled), 50% down payment, and the interest rate is10%;
10, single family without a house (including divorce), mortgage record (including off-site, 1 outstanding loan), 50% down payment, interest rate 1. 1 times;
1 1. The deep household is single (including divorced) and has no house, and there are two or more unsettled off-site mortgage records, so the loan is prohibited;
12, single people in Shenzhen and Shanghai (including divorced people) have Shenzhen real estate 1 set, and loans are prohibited.
What is the interest rate of the first home loan in Shenzhen? People who buy a house should remember
Anyone who has bought a house knows that when applying for a mortgage, the bank's loan interest rate will fluctuate according to the benchmark interest rate recently announced by the central bank. The fluctuation of mortgage interest rate has an impact on buyers, because mortgage interest is closely related to this. What is the interest rate of the first home loan in Shenzhen? People who buy a house should remember!
What is the interest rate of the first home loan in Shenzhen?
It has been learned from many channels that some banks in Shenzhen have recently started to cut mortgage interest rates, and the minimum interest rate for the first home loan can reach the minimum interest rate for the second home loan. Prior to this, the mainstream mortgage interest rates of the first suite and the second suite in Shenzhen market were flat and mutually comparable, and the interest rates showed an obvious easing trend.
However, it should be noted that the central bank's downward adjustment of RRR does not necessarily mean that the mortgage interest rate will fall. After all, the mortgage interest rate will be affected by the local market situation, the supply of loan funds, the cost of funds and other aspects.
"The floating value of mortgage interest rate is 10%" actually means that the mortgage is based on the benchmark interest rate of the central bank, and then the floating range is 10%, for example, the floating range is 10%, so the mortgage interest rate is × (100%10%). As for the housing provident fund loan, the central bank stipulates that it will not be adjusted for the time being, so it will fluctuate up and down within a certain range on the basis of the benchmark interest rate of the central bank loan.
If the housing provident fund loan interest rate is higher than the central bank's benchmark loan interest rate 10%, that is, ×( 100% 10%)= above, what is the loan interest rate for the first home in Shenzhen? I hope I can help you!
What is the interest rate of Shenzhen provident fund loan?
What is the interest rate of Shenzhen provident fund loan? The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate for less than five years is 3.25%/ 12, and the annual interest rate is 2.75%, which is the same in the whole country.
After paying the housing provident fund, you can apply for a provident fund loan, and then you can use the balance of the provident fund account to repay the loan. The interest rate of housing provident fund is 2.75% for less than five years and 3.25% for more than five years.
If you need to apply for provident fund loans, you can consult Huafu Capital for free. To understand, you can click here to view the information: how to borrow Shenzhen provident fund loans?