Legal subjectivity:

Buying a house with a loan has become a social mainstream, and now more and more friends are buying not only one house, but two houses. Now, if you take out a loan to buy a house after you have a house, the interest rate will not be the same as when you don't have a house. So what is it? Next, the editor and all your friends will learn about how much the interest rate of the loan for the second house will rise. How much will the loan interest rates for first and second homes increase? (1) What is the interest rate for home loans? 1. For families (including borrowers, spouses and minor children) who purchase their first home with a floor area of ??more than 90 square meters, the same below ), the loan down payment ratio shall not be less than 30%; for families purchasing a second home with a loan, the loan down payment ratio shall not be less than 60%, and the loan interest rate shall not be lower than 1.1 times the benchmark interest rate; for a family purchasing a third home with a loan, the loan down payment ratio shall not be less than 60%. For the above-mentioned houses, the loan down payment ratio and loan interest rate should be significantly increased, and the details shall be determined independently by commercial banks based on risk management principles. 2. The interest rate for second-home loans should not be lower than 1.1 times the benchmark interest rate for commercial loans. Generally, commercial banks have to increase the interest rate by 10% from the benchmark interest rate of 6.55 announced by the People's Bank of China, which is 7.21%. According to national regulations, the interest rate for second-home mortgages should be 1.1 times the benchmark interest rate. The benchmark interest rate for commercial loans is 6.55% (10-year term), and the benchmark interest rate for provident fund loans is 4.5%. 3. Adjustment of loan interest rates for second-home loans. In order to allow the central bank to better control credit risks and reduce housing prices, the interest rates are raised. Enjoy a 15% discount on the interest rate of the first mortgage. The interest rate for the second home is generally 10% higher, and the down payment ratio is also relatively high. The adjustment of loan interest rates for second homes can effectively reduce bank credit risks. Can reduce real estate price increases. Reduce the willingness to invest in real estate, thereby easing the high housing prices. Narrow the gap between rich and poor. Promote social stability. (2) How much will the loan interest rate increase? 1. For households that own one house and have outstanding home purchase loans to purchase a second house, the lower down payment ratio will be adjusted to no less than 40%. Families that own a house and have paid off the loan can apply for the housing provident fund to buy a house again, with a lower down payment of 30%. In the central bank's new policy, interest rate levels are left to commercial banks to decide on their own based on customers' credit status and repayment ability. This also means that the previously uniform interest rates for second homes may diverge. However, more than ten days after the new policy was implemented, reporters learned that most banks in the island city still have interest rates for second homes above 10%. 2. For lenders who implement floating interest rates (interest rates exceed 7%), most of the investments in the market that benefit from higher than this are high risks, and it is recommended to repay the loan in advance; if in the early stage of repayment, the principal base is large and the interest amount is also high, in the If there are no good investment channels, you can repay in advance; if it has reached the middle of the repayment period and there is very little interest left, it is not recommended to repay in advance. 3. To confirm the mortgage interest rate for a second home, or the loan interest rate for a second home loan, you must first confirm how it belongs to the second home. Then we need a standard to confirm the second suite. What counts as the second home? First, the borrower’s family is used as the criterion for determining the number of home purchases. If you have used a bank loan to purchase an independent house, and if the per capita housing area is lower than the local average, and then apply for a loan from the bank, the borrower should provide the results of the total area of ????family housing issued by the local real estate management department based on the housing registration information system. In other cases, it belongs to the second suite. All are charged according to the second house interest rate. The actual situation in real life is relatively complicated. Of course, specific problems require us to analyze them in detail. Everyone has different needs and life expectations, and citizens should also decide when to buy a house based on their actual situation. If your situation is more complicated, this website also provides online lawyer consultation services. You are welcome to seek legal consultation. Legal objectivity:

"Notice of the People's Bank of China and China Banking Regulatory Commission on Strengthening Commercial Real Estate Credit Management" Article 3 Commercial banks should remind borrowers to follow the principle of honesty and trustworthiness in the housing loan contract Fill in the relevant information of which house the loan is used to purchase truthfully.

For the purchase of the first self-owned house with a building area of ??less than 90 square meters, the loan down payment ratio (including local and foreign currency loans, the same below) shall not be less than 20%; for the purchase of the first self-owned house with a building area of ??less than 90 square meters For those with more than square meters, the down payment ratio of the loan shall not be less than 30%; for those who have used the loan to purchase a house and apply to purchase a second (inclusive) house or more, the down payment ratio of the loan shall not be less than 40%, and the loan interest rate shall not be less than 1.1 times the benchmark interest rate of the same grade announced by the People's Bank of China for the same period, and the loan down payment ratio and interest rate should be significantly increased as the number of units increases. The specific increase rate is determined independently by commercial banks based on relevant principles of loan risk management, but the borrower must repay The monthly expenditure on a housing loan shall not be higher than 50% of the monthly income.