Hello, but generally speaking, there are more down payment (for example, 50% or 60% down payment, and only 30% down payment can be paid for new commercial housing). In addition, if it is a second-hand house within five years, it needs to pay business tax, which is about 5.7% of the total house price. At present, the annual interest rate of commercial loans is 6.55%, the provident fund is 4.5%, and the minimum down payment for the first suite in Hangzhou is 20%. The executing banks include Bank, Agricultural Bank, Ping An Bank and Industrial 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 10% higher than the benchmark interest rate except the interest rates of HSBC and Guangfa Hangzhou.

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