First, the purchase interest rate
The lower limit of interest rate for residents to purchase ordinary self-occupied housing and improved ordinary self-occupied housing loans can be extended to 0.7 times of the benchmark interest rate, and the down payment ratio can be adjusted to 20%.
The second suite and the second suite are implemented according to the first set of discounts.
Residents who have borrowed money to buy a house but whose per capita area is lower than the average living standard in Harbin last year and then apply for buying a second set of ordinary self-occupied housing will implement the preferential policy of borrowing money to buy ordinary self-occupied housing.
Third, the loan amount and permanent life.
The loan amount of housing provident fund will be increased from 300,000 yuan to 500,000 yuan. The loan period is adjusted from 20 years to 35 years.
Four, Harbin provident fund loans
Residents who normally pay housing provident fund in the province where they buy houses in Harbin can apply for housing provident fund loans in Harbin and enjoy various policies on housing provident fund loans after providing necessary certificates and being audited by Harbin Housing Provident Fund Management Center.
Five, according to the market demand orientation
According to the principle that the proportion of small and medium-sized ordinary commodity houses below 90 square meters is balanced, according to the actual situation of different regions and construction projects in Harbin, and guided by market demand, the housing construction standards are reasonably determined.
The above is about the second-hand housing loan in Harbin, and I hope it will help everyone!