Legal subjectivity:

With the central bank issuing lower standards for down payment ratios for first and second homes, the implementation of standards in various places does not necessarily follow the lower standards, and the local conditions It is different, so many people who are preparing to buy a house have a headache. Next, the editor and my friends will learn about the loan interest rates for first and second homes. 1. The loan interest rate for the first and second homes. The calculation method for the down payment of the first home is: down payment = total house payment - customer loan amount; loan amount = contract price (market price) multiplied by 80%. The loan amount for the first loan is higher. It can reach 80%. Generally speaking, the down payment ratio of a provident fund loan for a first house of 90 square meters or less must not be less than 20%. For a first house of 90 square meters or more, the down payment ratio of a provident fund loan must not be less than 30%. If you use a housing provident fund loan to purchase your first ordinary home, the down payment is as low as 20%; if you own a house and have paid off the loan, you can apply for the housing provident fund to buy a house again, and the down payment is as low as 30%. Previously, second home loans implemented the policy of "the down payment ratio is not less than 60%, and the loan interest rate is not less than 1.1 times the benchmark interest rate." 1. For deposit-paying employee families (including borrowers, spouses and minor children, the same below) who apply for personal housing provident fund loans to purchase their first ordinary home, the minimum down payment ratio is 20%, and the loan interest rate is the provident fund loan benchmark interest rate; 2. For families of deposit-paying employees who own a house but have no loan record or who own a house and have paid off the corresponding house purchase loan and apply for a provident fund loan to purchase an ordinary owner-occupied house, the minimum down payment ratio is 30% and the interest rate is provident fund. 1.1 times the loan benchmark interest rate; 3. For families who own a house but have not paid off the corresponding home purchase loan and apply for a provident fund loan to purchase an ordinary self-owned home, the minimum down payment ratio of the loan is 40%, and the interest rate is the provident fund loan benchmark interest rate. 1.1 times; 4. The issuance of personal housing provident fund loans for households purchasing their third or more homes is still suspended. What is the loan interest rate for buying a first home and a second home? 1. The loan interest rate for the first home is based on the benchmark interest rate, which is 6.15% for a five-year period or more. The interest rate for the second home will still be 10% higher than the benchmark interest rate. The interest rate for the second home loan will be higher than the benchmark interest rate. First home mortgage interest rates are higher. 2. If you use a provident fund loan, the loan interest rate for the second home loan will be 10% higher than the loan interest rate for the first home. And if it is a commercial housing loan, the loan interest rate for the second home loan is also more than 10% higher than the loan interest rate for the first home loan. It should be noted that second-home mortgages not only have higher interest rates than first-home loans, but are also more difficult to obtain and have lower loan amounts. 3. The current benchmark interest rate of the People's Bank of China for more than 5 years is 5.65%. The specific discounts vary from bank to bank, and the first-hand and second-hand houses are also different. In Beijing, under normal circumstances, the down payment for a first house is 30%, and the interest rate is 10%. The second house (there are two types) : One is that you have a property under your name, but you have no loan or it has been paid off, and the interest rate for the first property is still the same. 4. The second one is that you still have an existing mortgage loan for the previous property, and you want to take out a loan to buy a second property with a down payment of 5. ((interest rate will increase by 10%)) Each bank is different, so you need to consult your local lending bank for details. The above is the relevant content about how much is the down payment for buying a first and second home? What is the loan interest rate for buying a first and second home? The central bank has once again loosened its mortgage policy, lowering the lower limit of down payment ratio for second home to 40%, and giving banks the freedom to set the interest rate for second home. At the same time, the down payment percentage of first-time and second-time provident fund loans was reduced to 20% and 30% respectively. The scale was beyond industry expectations. For many people who are preparing to buy a house, you can think about it carefully. The actual situation in real life is relatively complicated, and of course specific issues require our detailed analysis. If your situation is more complicated, this website also provides online lawyer consultation services. You are welcome to seek legal consultation. Legal objectivity:

Article 11 of the "Interim Measures for Personal Loans" A personal loan application shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or a national Relevant stipulated overseas natural persons; (2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good, No major bad credit record; (6) Other conditions required by the lender.