Commercial loans General commercial banks should increase by 65,438+00% on the basis of the benchmark interest rate of 6.55 announced by the People's Bank of China, that is, 7.265,438+0%. According to national regulations, the interest rate of second-home mortgage should be 1. 1 times the benchmark interest rate. The benchmark interest rate for commercial loans is 6.55%( 10 year), and the benchmark interest rate for provident fund loans is 4.5%.
The second-home lender applied for a loan to buy a house for the first time. For example, a second-suite family has registered a set (or multiple sets) of complete housing (including the registration of the second-suite pre-sale contract) in the second-suite registration information system at the place of purchase, which belongs to the second suite.
The second-home lender has used the loan to buy a set (or more) of housing, and if he applies for a second-home loan to buy housing, the bank recognizes it as a second-home.
Second-home lenders conduct investigations by inquiring about credit records, interviewing and face-to-face investigation. , and can consult neighbors when necessary to confirm that the second-home lender's family already owns a set (or more) of housing, and the bank recognizes it as a second home.
What is the interest rate of second-hand housing loan?
At present, the loan interest rate of second-hand houses has different performances. If the applicant applies for a second-hand housing mortgage loan, and the applicant purchases the first suite with a loan, the down payment shall not be less than 30% of the socks draft. The interest rate of housing provident fund loans for more than five years decreased from 4.7% to 4.5%, and the interest rate of individual housing provident fund loans for less than five years (including five years) decreased from 4.2% to 4.0%; The annual interest rate of the memory loan is 5.6% for 6 months, 6.00% for 6 months to 1 year, 6. 1-3 years, 6.40% for 3-5 years and 6.55% for 5 years. The first purchase of a house can be reduced by 15% on the basis of the original benchmark interest rate of 5.94%. Individual banks can also get a 30% discount. Calculation of second-hand housing loan interest rate: the calculation formula of matching method: monthly repayment amount = (monthly interest rate ×( 1 interest rate) total contribution period /( 1 interest rate) total contribution period-1) × loan principal; The calculation formula of diminishing method is: monthly repayment amount = loan principal/total contributions (principal-accumulated repaid principal) × monthly interest rate.
What are the mortgage policies in Guangzhou?
The housing price in Guangzhou is also very high, so many people who want to buy a house in Guangzhou will want to apply for a housing loan. Now Guangzhou also implements the housing policy of restricting loans and sales, so what are the mortgage policies in Guangzhou? Next, Bian Xiao will briefly introduce it to you.
1, Guangzhou strictly implements the differentiated housing credit policy. To apply for a commercial loan to buy the first home in Guangzhou, the down payment should be at least 30%, and the mortgage interest rate should be implemented in accordance with the relevant regulations of various banks. For example, ICBC and Citibank enjoy a 15% discount on the interest rate of the first home mortgage; China Bank enjoys a 10% discount on the interest rate of the first home mortgage; China Construction Bank enjoys a 15% discount on the interest rate of the first home mortgage. If you apply for a provident fund loan to buy the first home, the minimum down payment ratio is 20%, and the mortgage interest rate is the benchmark interest rate.
2. If our family already owns a house, there is no loan record or the loan has been settled, then the minimum down payment ratio is 50%; If there is no house in our family name and the loan has been settled, then the minimum down payment ratio is 40%; If there is a house in our family name and the loan is not paid off, then the minimum down payment ratio is 70%.
3. If you buy a non-ordinary house, whether it is the first house or the second house, the minimum down payment ratio is 70%. According to the relevant provisions of the housing provident fund, the maximum amount of individual housing provident fund loans is 600,000 yuan; The maximum amount of housing provident fund loans for families with more than two persons is 6,543,800 yuan. Guangzhou suspends the third home loan. The interest rate of second-hand housing mortgage will generally rise by about 10%. The specific mortgage interest rate should be implemented in accordance with bank regulations.
Bian Xiao concluded: What mortgage policies are there in Guangzhou? Bian Xiao just introduced them here. When applying for housing loans, we should first consult the relevant regulations of several banks on housing loans and choose the bank with the most favorable down payment ratio and mortgage interest rate to apply for housing loans.
What is the interest rate of second-hand housing mortgage?
What is the interest rate of second-hand housing mortgage?
Second-hand housing mortgage interest rate: 0-6 months (including 6 months), annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate: 4.90%. The loan interest rate needs to be comprehensively priced according to the business type, credit status and guarantee method applied for, and can only be determined after being approved by the handling outlets.
What are the housing loan conditions?
1, personal credit loan
Personal credit loan conditions: must be at least 18 years old, have full capacity for civil conduct, be able to provide valid identification, have a good personal credit status and have a stable job and income.
2. Housing mortgage loan
Housing mortgage loan conditions: Housing mortgage loan not only has requirements for borrowers, but also has certain requirements for mortgaged houses. The property right of the mortgaged house must be clear, with real estate license and land use certificate, and not included in the local urban transformation plan.
3. College students' entrepreneurial loans
Conditions for college students to start a business loan: they must be at least 18 years old, have a fixed place of business, be able to provide business licenses for related industries, and use the loan in accordance with relevant national laws and bank credit policies.
4. Self-operated loans
Self-employed loan conditions: under 60 years old, with a fixed residence in the place where the loan bank is located, good credit record, stable operating conditions, stable income sources and the ability to repay the loan principal and interest.
5. Housing mortgage loan
Housing mortgage loan conditions: make sure that you are qualified to buy a house locally, have good credit, have a stable economic income and have the ability to repay the principal and interest of the loan. There are self-raised funds that account for more than 30% of the total price of the house purchased, and assets mortgage or pledge recognized by the loan bank.
Bian Xiao concluded: The above is about the interest rate of second-hand housing mortgage. I wonder if it will help you! The interest rate of second-hand housing mortgage is different according to the time, and the longer the time, the higher the interest rate.
What is the interest rate of second-hand housing loan in Guangzhou now?
At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
From June 2020 1, what is the interest rate of second-hand housing bank loans?
From June 2020 1, the bank loan interest rate for second-hand houses is 4.75%.
When buying a second house, the loan interest rate shall not be lower than 1. 1 times the benchmark interest rate. The benchmark interest rate is: loans within one year (inclusive), with an annual interest rate of 4.35%; For loans from one year to five years (inclusive), the annual interest rate is 4.75%; For loans of more than five years, the annual interest rate is 4.90%. The interest rate of commercial loans varies from bank to bank.
If you choose a commercial loan, you need to go to several banks for consultation and comparison. Article 4 of the Provisional Regulations on Real Estate Tax in People's Republic of China (PRC), if the property tax rate is calculated according to the residual value of the property, the tax rate is1.2%; If it is paid according to the rental income of real estate, the tax rate is 12%.
Extended data:
Second-hand housing bank loan interest rates are introduced as follows:
The national average interest rate of the first home loan was 5.32%, and the average interest rate of the second home loan was 5.63%, both dropping 1 1BP. The main reason is that on April 20th, the level of LPR above five years was lowered by 10bp month-on-month, and several cities subsequently lowered their mortgage interest rates, with some cities dropping by more than 10bp, resulting in a sharp drop in the national mortgage interest rate.
The five-year LPR of the national loan market was 4.65%, which was the same as that in April. The LPR interest rate has not been lowered this time, which is actually related to the relatively full and strong adjustment in April. In April, the 5-year LPR interest rate was lowered by 10 basis point, which fully reflected the orientation of further reducing the medium and long-term capital cost in the second quarter.