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Shenzhen is a first-tier big city, and housing prices are naturally not low. It is very difficult to buy a house in full, so most people Is to choose a loan to buy a house. So, do you know what the interest rate is for the first home loan in Shenzhen and how much the down payment is for buying a house in Shenzhen? Let’s take a look now.

1. Shenzhen first home loan interest rate

In October this year, the interest rate for Shenzhen first home loan was 5.71%, 1.16 times higher than the benchmark interest rate, and compared with In September, it increased by nearly 0.18%. In addition, it is reported that some banks in Shenzhen have increased their mortgage interest rates from 20% to 15%, and the loan review process has been accelerated, taking about one week.

2. How much is the down payment for buying a house in Shenzhen

1. To buy a house in Shenzhen, the down payment required for the house must not be less than 30% of the total value of the house. For example, a house worth 2 million For a house, the down payment required is 600,000 yuan. Of course, if you are buying a second house, the down payment cannot be less than 50% of the total price of the house, which means you need to pay 1 million yuan.

2. If you buy a new house, you need to calculate the down payment based on a certain ratio and the loan amount. But it is different when buying a second-hand house. The buyer can negotiate the amount of the down payment with the owner. Generally, As long as it is not lower than the prescribed ratio, it will be fine.

3. Some developers, in order to sell their houses faster, will give certain discounts on the down payment. For example, the government will stipulate that the down payment must be 30% of the total price of the house. At this time, although the developer will also stipulate a 30% down payment, there will be some discounts given by the developer in the 30% down payment.

4. For example, for a house worth 2 million yuan, the government requires a down payment of 2 million * 30%, which is 600,000 yuan. In order to attract more consumers, the developer , consumers will be asked to pay 20% of the down payment first, and the remaining 10% of the down payment will be paid by the developer, and the consumer will be given one year to slowly deliver, thereby alleviating the pressure on consumers.

This is the introduction to the first home loan interest rate in Shenzhen and the down payment for buying a home in Shenzhen. Do you understand it? With the rectification of Shenzhen’s home buying policy, the first home loan interest rate is also changing. , it is expected that loan interest rates will adjust slightly next year.

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