1, 201On July 6, 2, the deposit and loan interest rate of housing provident fund was lowered again, and the loan interest rate of individual housing provident fund for more than five years was lowered from 4.70% to 4.50%. The interest rate of individual housing provident fund loans for less than five years (including five years) was lowered from 4.20% to 4.00%.

2.2065438+On July 6, 2002, the central bank lowered the deposit and loan interest rates. The annual interest rate of six-month memory loans, six-month to 1 year deposits and loans, one-year to three-year deposits and loans, six-year to five-year deposits and loans and five-year deposits and loans is 6.55%.

3. Buying a house for the first time can be reduced from the original benchmark interest rate of 5.94% to 15%. Individual banks can also get a minimum discount of 30%.

4. In addition, when applying for a second-hand housing mortgage loan, if the applicant borrows money to buy the first suite, the down payment for applying for a second-hand housing mortgage loan shall be no less than 30%, while if the applicant has already applied for a second-hand housing mortgage loan, it shall be regarded as a second suite, so that the down payment ratio will be increased and the down payment shall be no less than 60%. Some banks even require higher down payment.