Two houses can only borrow 40%; And the interest rate rose by 10%. That is, on the current basis, the benchmark interest rate of provident fund is 4.5, the benchmark interest rate of commercial loans is 6.55, and the floating rate is 10%.
At present, the down payment ratio of housing provident fund loans is not less than 20% for families who buy the first set of self-occupied housing in Shanghai with a floor area of 90 square meters or less; For families who purchase the first set of self-occupied housing with a Taoxing construction area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%; In order to improve the living conditions of families who buy a second home, the down payment ratio of housing provident fund loans is not less than 60%.
At the same time, the provident fund management center pointed out that the basis for purchasing the first set of housing is that there is no complete housing registration under the name of the borrower's family (including the borrower, spouse and minor children); The identification of purchasing an improved second house is based on the fact that the borrower's family (including the borrower, spouse and minor children) only holds one house in the registration information of the housing management department, and the per capita housing construction area is lower than that announced by the statistics department last year (currently, the per capita housing construction area in Shanghai is 33.4 square meters).
(The above answers were published on 20 13-09- 16. Please refer to the current actual purchase policy. )
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