At present, the first home loan interest rate of some banks in Hangzhou is 10%, with the lowest HSBC 8%. The interest rate of the second home loan generally fluctuates between 15%-20%. The benchmark interest rate is as follows:

The housing loan interest rates of banks in Hangzhou are as follows:

The housing interest rate of Hangzhou provident fund loan is 3.25% for the first suite and 1. 1 times for the second suite.

1. If employees' families (including the principal borrower, spouse and minor children) have no housing and no housing loan records, they will use housing provident fund loans to purchase ordinary self-occupied housing and implement the first set of housing provident fund loan policies. According to different housing types, the down payment ratio is as follows:

1. When purchasing commercial housing, the down payment ratio of the loan shall not be less than 30%, and shall not be less than the minimum down payment ratio agreed in the property cooperation agreement of the provident fund center;

2 the purchase of affordable housing, loan down payment ratio of not less than 20%;

3. If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%;

4 the purchase of public housing, the loan amount does not exceed 70% of the total house price;

5 resettlement or construction, renovation, overhaul occupied housing, the loan amount does not exceed 70% of the actual payment.

2. If the employee's family already owns a house or has no house but has a housing loan record, the second set of housing provident fund loan policy shall be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of not less than 60%, and the interest rate of provident fund loan is 1. 1 times of the interest rate of the first set of housing provident fund loans in the same period;

Three, there are two or more sets of housing or outstanding housing provident fund loans under the name of the employee's family, and may not apply for housing provident fund loans.

Four, the down payment ratio should be determined according to the housing situation, price, family repayment ability and credit status. Those who apply for commercial portfolio loans or provident fund commercial discount loans must meet the relevant requirements of commercial banks at the same time.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

20 19 what is the interest rate of Hangzhou housing loan?

From 2065438 to September 2009, the mortgage interest rate began to tighten:

On the basis of the original increase of 5% to 8%, the interest rates of first-home mortgages of many banks were further raised to 10%; The second suite rose to 15%.

20 19 Hangzhou housing loan interest rate:

1. If you use the provident fund to buy a house, the interest rate is 2.75% within five years, and the interest rate for loans over five years is 3.75%. This interest rate is the lowest, and it is also the best choice for buying a house with a loan.

2. If a commercial bank borrows money to buy a house, the interest rate of the first home loan will generally rise by about 10% on the basis of the benchmark interest rate, and the second home and above will rise by 15-30% on the basis of the benchmark interest rate.

The interest rate will be adjusted with the market. The loan interest rate of each bank is slightly different, but the interest rate of the first suite is much lower than that of the second suite.

The benchmark interest rate table of 20 19 deposit and loan of Hangzhou Housing Bank is as follows:

The interest rates of banks in Hangzhou are as follows: As the market changes, they will be adjusted for reference only.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

Hangzhou CCB mortgage interest rate

The latest interest rate of housing loan interest rate table of Hangzhou Construction Bank in 2022 is divided into the following two interest rates:

1. Commercial mortgage interest rate: 4.35% within one year (including one year), 4.75% within one to five years (including five years) and 4.90% over five years;

2. Personal housing provident fund loan interest rate: 2.75% for less than five years (including five years) and 3.25% for more than five years.

What is the latest interest rate for the first home loan in Hangzhou? Which bank is the most cost-effective

"At present, the mortgage interest rates of some banks in Hangzhou have risen, and the benchmark interest rate is 4.9%.

The first house and two houses in the bank

Industrial and Commercial Bank of China 15%20%

Bank 15%20%

China Merchants Bank 15%20%

Postal savings bank 15%20%

China Construction Bank 15%20%

Bank of Communications 15%20%

Bank of Hangzhou 15%20%

China Bohai Bank 22%30%

Ping An Bank 20%25%

Hua Xia Bank 20%~25%25%~30%

(Note: The interest rate will fluctuate according to the quota and business conditions of different branches. ) "At present, the interest rates of first-home commercial mortgages of ICBC, Bank of China, China Merchants Bank, Postal Savings Bank and other banks have all risen by 15%, while the interest rates of first-home commercial mortgages of a few banks have risen by 20% or more, and the interest rates of second-home mortgages have risen by 25%~30%, such as Bohai Bank, Ping An Bank and Huaxia Bank. But now many banks only accept loans from cooperative developers, and it is impossible to say which one is cost-effective and which one is not. If you choose a bank loan with a relatively favorable interest rate, it may be difficult to get a loan. At present, the benchmark interest rate is 4.9%, but the national mortgage interest rate is floating. In May, the average interest rate of the first home loan in China was 5.60%, which was equivalent to 1. 1.43 times of the benchmark interest rate. The average interest rate of the first home loan in Hangzhou was 5.68% in April and 5.78% in May, ranking seventh among 35 major cities in China, and it is a city with high mortgage interest rate.

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What is the latest loan interest rate in Hangzhou?

Hello, the latest loan interest rate in Hangzhou has come out. The minimum down payment for the first suite in Hangzhou is 20%. The executing banks include Bank, Agricultural Bank, Ping An Bank, Industrial Bank, China Everbright Bank, Minsheng Bank, China Merchants Bank, Bank of Communications, China Construction Bank, Postal Savings Bank, Industrial and Commercial Bank of China and China CITIC Bank. Among them, Bank, Agricultural Bank, Ping An Bank, Industrial Bank, China Everbright Bank, Minsheng Bank and China Merchants Bank have a minimum interest rate of 10%, Bank of Communications has a minimum interest rate of 9. 1%, and China Construction Bank, Postal Savings Bank, Industrial and Commercial Bank of China and China CITIC Bank have a minimum interest rate of 9.5%. The lowest interest rate for the first suite in Hangzhou is 15% discount for HSBC, but the minimum down payment for the first suite in HSBC is 30%. The bank that implemented the first set of down payment of 30% also has Hangzhou Bank, but Hangzhou Bank implemented the first set of interest rates with a minimum discount of 9.3%.

In addition, the minimum down payment for the first suite of Guangfa Bank is 2.5%, and the lowest interest rate is 10%. The down payment for the second home in Hangzhou is 30% except for HSBC, Guangfa Bank and Hangzhou Bank. The interest rate of the second home in Hangzhou is 10% higher than the benchmark interest rate. The latest loan interest rate of Hangzhou Bank is as follows:

The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124, to further reduce the social financing costs. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy. Bank information port.

In official website, the central bank issued a notice to adjust the deposit interest rate of employees' housing provident fund account from February 2, 20 16, from the current benchmark interest rate for current and three-month deposits divided by collection time to the unified benchmark interest rate for one-year time deposits. According to the regulations of the central bank, the interest collected in the current year and carried forward from the previous year is calculated at the benchmark interest rates of demand deposits and three-month time deposits, which are currently 0.35% and 1. 10% respectively. After this adjustment, the deposit interest rate of the employee housing provident fund account is uniformly implemented according to the one-year time deposit benchmark interest rate, which is currently 1.50%.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!