On September 14, Tianjin Housing Provident Fund Management Center issued the Notice on Adjusting Policies Related to Personal Housing Provident Fund Loans.
According to the new media of Viewpoint Real Estate, the Notice stipulates that from September 22nd, 20021year, if Tianjin workers' families buy a second house in this city and apply for individual housing provident fund loans, the loan interest rate will be 1. 1 times of the first individual housing provident fund loan interest rate in the same period. If the acceptance date of individual housing provident fund loan is before September 22, 20021,the loan interest rate will still be implemented according to the original policy document.
Tianjin second-home provident fund loan amount
At present, the upper limit for Tianjin to apply for a second-home provident fund loan is 400,000.
1. For the second suite, the conditions and restrictions of provident fund loans are very important. First of all, it should be noted that if the borrower uses the provident fund loan to purchase the 1 suite and pay off the loan, he cannot use the provident fund to make the loan and repay the mortgage when purchasing the second house.
2. If the first suite is bought with a commercial loan and has a mortgage, the second suite can use a provident fund loan, and the down payment is calculated according to the second suite, that is, the down payment is 50% lower and the interest rate is 10%.
3. If the first home loan has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy a second home. The relevant regulations are naturally calculated according to the second home. For some places, the policy of reducing the down payment of the second suite of provident fund loans by 20% has been implemented.
4. In order to further improve the housing provident fund personal housing loan policy and support the reasonable housing needs of paid employees, the down payment ratio will be reduced from 30% to 20% for families who own a house and have settled the corresponding housing loans and apply for housing provident fund entrusted loans again to improve their living conditions.
Tianjin second home loan interest rate
The interest rate of the second home loan in Tianjin is about 4% and 9%. From June 65438+1 October1day, Tianjin lowered the interest rate of the first individual housing provident fund loan. The interest rate of the first individual housing provident fund loan issued after June 65438+1October 65438+1October 0, 2022 (the release date is subject to the loan receipt date, the same below) is adjusted to 2.6% for less than five years (including five years) and 3 1% for more than five years. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are 3.025% and 3.575% respectively. At the same time, the first set of provident fund loans with a term exceeding 1 issued before 2022 will be subject to the new interest rate from 2023.
What is the interest rate of the second home loan in Tianjin?
The interest rate of the second home loan in Tianjin is not less than 1. 1 times of the benchmark interest rate, and the maximum is not more than 1.3 times. At present, PBOC has announced the benchmark annual interest rate of loans: within 1 year (including 1 year), with an annual interest rate of 4.35%; 1-5 years (including 5 years) with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate: 4.90%.
First, the mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.
Two: China's mortgage interest rate is not always the same, but often changes, in the form of rising interest rates, so we often compare the situation before and after raising interest rates.
3: 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate. Commercial banks will implement the new interest rate: if the loan term is more than one year, the loan interest rate will be adjusted once a year, and it will be 65438+ 10/0 in June. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.
Fourth, from August 2065438 to August 2009, the national multi-city mortgage interest rate rose by 20%. On the afternoon of May 20th, 2002/KLOC-0, Shenzhen Branch of the four major banks of Industry, Agriculture, China and Communications made it clear to Du Nan that the mortgage interest rate had been raised.
Five: housing provident fund loans: for residents who have already participated in the payment of housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
6. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.
7. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
This is the end of the introduction on the calculation of the loan interest rate of Tianjin second-home provident fund and the loan interest rate of Tianjin second-home provident fund. I wonder if you found the information you need from it?