What is the interest rate of the first home loan in Shenzhen

Shenzhen is a first-tier city, and the house price is naturally not low. It is very difficult to buy a house in full, so most people choose to borrow money to buy a house. So what is the interest rate of the first home loan in Shenzhen, and how much is the down payment for buying a house in Shenzhen? Do you know? Now let's take a look.

First, the interest rate of the first home loan in Shenzhen

In October this year, the interest rate of the first home loan in Shenzhen was 5.71%, which was 1.16 times higher than the benchmark interest rate, and increased by nearly .18% compared with September. In addition, it is reported that the mortgage interest rate of some banks in Shenzhen has changed from 2% to 15%, and the speed of reviewing loans has accelerated, about one week.

2. How much is the down payment for buying a house in Shenzhen

1. To buy a house in Shenzhen, the down payment for the house should not be less than 3% of the total value of the house. For example, the down payment for a 2 million house is 6, yuan. Of course, if you buy a second house, then the down payment should not be less than 5% of the total house price, that is, you need to pay 1 million yuan.

2. If you buy a new house, you need to calculate the down payment according to a certain proportion and the loan amount, but buying a second-hand house is different. The buyer can negotiate the down payment amount with the owner, generally as long as it is not lower than the specified proportion.

3. Some developers will give certain discounts on down payment in order to sell their houses faster. For example, the government will stipulate that the down payment needs to be 3% of the total price of the house. At this time, although the developer will also stipulate to pay 3% of the down payment, there will be some concessions given by the developer.

4. For example, for a house with a value of 2 million yuan, the government stipulates that it needs to pay a down payment of 3% of 2 million yuan, that is, 6, yuan. Then, in order to attract more consumers, the developer will let the consumers pay 2% down payment first, and the remaining 1% down payment will be paid by the developer, and the consumer will be given a year to deliver it slowly, thus alleviating the pressure on consumers.

what is the interest rate of the first home loan in Shenzhen and the down payment for the purchase of a house in Shenzhen? I'll introduce it here first. Do you understand? With the rectification of Shenzhen's housing policy, the interest rate of the first home loan is also changing. It is expected that the interest rate of the loan will be slightly adjusted back next year.

interest rate of the first home loan in Shenzhen in 222

Hello, the interest rate of the first home loan in Shenzhen in 222 depends on your credit status and the amount of your loan. Generally speaking, the interest rate of the first home loan in Shenzhen is between 4.9% and 5.9%, and the specific interest rate can be different according to your credit situation and loan amount. In addition, the interest rate of the first home loan in Shenzhen can also be different according to your loan term. The longer the loan term, the lower the interest rate. In addition, the interest rate of the first home loan in Shenzhen can also be different according to your lending institution, and different lending institutions may offer different interest rates. Therefore, you can determine the interest rate of your first home loan in Shenzhen according to your credit situation, loan amount, loan term and lending institution.

Who knows what the interest rate is for the first home purchase loan in Shenzhen?

preferential policies for the interest rate of the first home loan:

1. The interest rate of the first home loan has generally decreased. The five major state-owned banks generally offer interest rate concessions of 1% to 15%, among which Bank of China, China Construction Bank and ICBC all offer interest rate concessions of 15% (5.61%) for the first suite, and the minimum down payment is 3%; Agricultural Bank of China and Bank of Communications offer a minimum interest rate discount of 1% (5.31%) for the first suite.

second, the new criteria for determining the first suite

(1) if you buy a suite with a loan, and the commercial loan has been settled, you can buy a house with a loan-the first suite is counted.

(2) I bought a suite with a loan, and then sold it. I can't find the property through the house registration system, but I can find the loan record in the bank credit information system, and then I borrow money to buy a house-it is the first suite.

(3) I bought a suite in full, and bought a house with a loan-the first suite.

(4) I bought a suite in full, and then sold it. If the house registration system can't find the property, I will take out a loan to buy a house-the first suite.

(5) There are commercial loan records of two suites in the name of the individual, all of which have been paid off and sold, and at the same time, two sets of certificates of housing sale can be provided. In this case, the first suite is counted when the loan is re-borrowed.

(6) One commercial loan has been paid off, and the other is a provident fund loan that has been sold. At the same time, you can provide proof of the sale of the house, apply for a commercial loan and then buy a house-it is the first suite.

I hope I can help you.