There is no difference between the first set and the second set of provident fund loans. The provident fund loan for your second suite is implemented according to the policy of 20% down payment of provident fund, and the interest rate is not clear. However, if there has been a provident fund loan before, the provident fund can only be used again if the previous provident fund loan is settled.
2. What is the general interest rate for the second-home provident fund loan in Chengdu?
(China Merchants Bank) At present, the interest rate of provident fund loans announced by the central bank: the annual interest rate of provident fund loans for less than five years (inclusive): 2.75%; Annual interest rate of provident fund loans for more than five years: 3.25%. Due to the different policies of different cities, you can directly contact the personal loan department of local outlets to confirm the specific local business regulations!
3.202 1 what is the interest rate of the second home loan in Chengdu?
The interest rate of the first suite in Chengdu rose to more than 6%. In fact, the average interest rate of the first home loan in Chengdu in February was 5.96%, ranking second in the country after Nanning. In terms of mortgage tightening, Chengdu is one of the most stringent cities at present. At present, the interest rate of the first suite of banks in Chengdu is basically around 5.88%-6. 125%, which is equivalent to the benchmark interest rate rising by 20%-25%; The interest rate of the second suite is about 6. 125%-6.37%, which is equivalent to the benchmark interest rate rising by 25%-30%.
4. What are the interest rates of Chengdu Provident Fund credit loans?
Provident fund loan interest rate
First suite: 2.6% for less than 5 years (including 5 years) and 3. 1% for more than 5 years.
Second suite: 3.025% for less than five years (including five years) and 3.575% for more than five years.
commercial loan interest rate
Less than 5 years (including 5 years): 3.65%
More than 5 years: 4.30%
According to the latest news, the People's Bank of China has decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage points from June 2022, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.
At present, according to the information of Chengdu Housing Provident Fund Management Center, the interest rate of individual housing provident fund loans has been adjusted.
According to the Notice of Chengdu Housing Provident Fund Management Center on Adjusting the Relevant Provisions of Provident Fund Loans on June 2, the new loan policy
First, adjust the minimum down payment ratio.
If you apply for a provident fund loan for the first time, the minimum down payment ratio will be adjusted from 30% to 20%; If you buy a second house and apply for a provident fund loan, the minimum down payment ratio will be adjusted from 40% to 30%.
In case of overdue need to increase the minimum down payment ratio, it shall still be implemented according to the original regulations.
Second, adjust the maximum mortgage interest rate.
If the housing value is used for mortgage, the proportion of the loan amount not exceeding the value of the collateral will be adjusted from 70% to 80%.