1. Is there a discount on the interest rate of the first home loan? A few days ago, the central bank issued an announcement, referring to LPR data, and implemented a new personal housing commercial loan interest rate from 10 8. The interest rate of housing provident fund loans remains unchanged, which is still 2.75% for five years and 3.25% for more than five years. After the reform of mortgage interest rate, it means the end of the era of mortgage interest rate discount.

2. On August 20th, the central bank disclosed the due LPR interest rate, and the LPR interest rate over five years was 4.85%. According to a real estate agent in Beijing, at present, most banks in Beijing implement the first set of 5.39% and the second set of 5.88% mortgage interest rates.

3. On August 20th, Liu Guoqiang, deputy governor of the central bank, revealed at the routine briefing of the State Council policy that the new LPR formation mechanism would not lower the mortgage interest rate. Liu Guoqiang said that it is necessary to adhere to the positioning that "houses are used for living, not for speculation", and not to use real estate as a short-term means to stimulate the economy, so as to keep the interest rate of individual housing loans basically stable.

At present, most people buy houses with loans. The down payment for buying a house is generally related to the total price of the house. If you choose a provident fund loan, you only need to pay 20% down payment. To buy a house of about 1 10,000, the down payment is about 200,000-300,000.

The above is about the interest rate of buying a house in 2020, and I hope it will help everyone!