1. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a building area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.

2. The interest rate of the second home loan shall not be lower than 1. 1 times of the benchmark interest rate. Generally speaking, commercial banks should float 10%, that is, 7.2 1%, on the basis of the benchmark interest rate of 6.55 announced by the People's Bank of China. 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%.

3. Adjustment of the interest rate of the second home loan. In order to let the central bank better control the credit risk, reduce house prices and raise interest rates. Enjoy a 15% discount on the first home loan interest rate.

Hope to adopt! ! !