Basic requirements of individual housing loan
1. Be at least 18 years old and have full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantees recognized by banks.
Fifth, other conditions stipulated by the bank.
What is the interest rate of individual housing loan?
1. At present, the benchmark interest rate of commercial loans with a loan term of more than five years in China is 4.90%. Due to the policy of restricting purchases and loans, banks in different regions have different efforts to adjust the interest rate of the first home loan. According to the survey, the national average loan interest rate for the first home is 5.38%, the loan interest rate generally rises by about 5% to 20%, and the loan interest rate for the second home generally rises by 65,438+. For those who use housing provident fund loans in the same period, the benchmark loan interest rate is 3.25%, and the second home loan interest rate generally rises 10%.
2. The current loan amount is determined by the lender's family (including the lender, spouse and minor children). If the family has applied for housing provident fund loans or commercial loans to buy a house, it will be regarded as a second suite when applying for housing loans again.
3. The survey shows that in February, the average interest rate of the first home loan in China was 5.63%, equivalent to 1. 149 times of the benchmark interest rate, which was 0.53% lower than that in June. In February last year, the average interest rate of the first home loan was 5.46%, up 3. 1 1%. The average interest rate of the second home loan in China is 5.99%.