Zhuhai 144 Shou Ping mortgage interest rate mainly depends on your credit situation and the collateral you provide. The interest rate of general commercial banks is between 4.9% and that of policy banks is between 3.25%. In addition, you can choose housing provident fund loans with lower interest rates according to your own situation, but you need to meet certain qualification requirements.
In June 2022, the mortgage interest rate in Zhuhai was +065438+ 10.
In June 2022, the mortgage interest rate in Zhuhai was 4.25% at 5,438+065,438+10. In 2022, the mortgage interest rate in Zhuhai is in a relatively stable state, and there is little difference among major banks. The interest rate of the first suite is generally as low as 4.25%, and the interest rate of the second home loan is generally as low as 5.05%.
Zhuhai 202 1 mortgage interest rate
The interest rate of Zhuhai 202 1 mortgage is mainly influenced by the national monetary policy and the relationship between market supply and demand. At present, the mortgage interest rate of Zhuhai 202 1 has not been announced, but according to the current market situation, the mortgage interest rate of Zhuhai 202 1 may be slightly lower than that of 2020. According to the national monetary policy, the interest rate of Zhuhai 202 1 commercial loan may be between 4.75% and 5.25%, and the interest rate of provident fund loan may be between 3.25% and 3.75%.
Zhuhai housing loan policy, full version of mortgage interest rate
On June 8, Phoenix Jun learned from the credit departments of many commercial banks in Zhuhai that the latest mortgage policy has been implemented.
Starting today, the first set of non-loan houses in Zhuhai's non-restricted areas will be purchased, and the down payment ratio will be reduced to 20%. At this point, Zhuhai's policy of restricting purchases and loans has been fully relaxed. However, since the mortgage policy has not been officially announced, I suggest that you take the actual operation as the standard.
Specifically:
1, the first set has no loan record, which is lower than 144_: 20% down payment; 144_: 30% down payment.
2. Buy two sets, and the first loan has been settled, which is lower than 144_: 30% down payment; 144_: 60% down payment.
3. Buy two sets, and the first loan is not settled, which is lower than 144_: 30% down payment; 144_: 60% down payment.
4, three sets and above, the full amount, this item has not changed.
The down payment is as low as 20%, and the mortgage interest rate is as low as 4.25%.
Zhuhai welcomes the window of buying a house
It is worth noting that the mortgage policy is only implemented for non-restricted areas. Zhuhai's unrestricted areas include Xiangzhou District (Nanping and Wanchai), Hezhou New District (Hengmen and Bonded Zone), High-tech Zone, Jinwan District and Doumen District.
On May 15, the central bank issued a notice: the lower limit of the interest rate of the first set of commercial personal housing loans was adjusted to not less than the LPR minus 20 basis points in the same period!
On May 20th, the central bank cut interest rates more than expected, and the five-year LPR dropped from 4.6% to 4.45%, down 15 basis points from last month.
On May 23rd, Phoenix learned that foreign banks Standard Chartered Bank, HSBC and state-owned bank China Construction Bank had taken the lead in joining the "4.45% first suite" team. Soon after, the major banks in Zhuhai refreshed the mortgage interest rate again:
That is, the first home loan, the minimum mortgage interest rate is 4.25%! Second, most banks report from 5.05%.
Attached is the latest investigation report of Zhuhai 13 Bank:
It is worth noting that the credit managers of some banks, such as Bank of China and Industrial and Commercial Bank of China, have mentioned that the minimum interest rate of 4.25% is the need to examine and apply for the loan qualification of home buyers.
Guide to Buying Houses for Families with Different Monthly Income in Zhuhai
Recently, according to the latest mortgage interest rate of prime Bank in Zhuhai (4.45% for the first suite), Phoenix has calculated the monthly mortgage for purchasing various properties for your reference.
If you want to grasp the current easing period of Zhuhai market, you can pay attention to it.
Interpretation of Zhuhai's latest purchase restriction policy
Where is the restricted area?
At present, the restricted purchase areas are Jida, Gongbei, New and Old Xiangzhou, Qianshan and Hengqin in Xiangzhou District; In addition, they are all off-limits.
How many sets of household registration can I buy in Zhuhai?
If the household registration is in Zhuhai, you can buy up to 3 houses (including a second-hand house) within the limit of purchase in Zhuhai. At present, the villa is not within the scope of purchase restriction.
How do foreigners (including Hong Kong and Macao people) buy a house in Zhuhai?
If the household registration is not in Zhuhai, you can buy at most 2 sets in the restricted area, and you can't buy in other areas.
How do foreigners (including Hong Kong and Macao people) buy a house in Hengqin?
Foreign household registration in Hengqin can buy up to 2 houses. Other areas are not limited to purchase.
Which houses are completely unlimited in purchase and loan?
Commercial housing is not limited to purchase and loan, because it is different from residential products in nature, it should be purchased according to its own needs.
How many years after buying a house?
Regardless of Zhuhai household registration or non-local household registration, the city has a three-year sales period.
Multi-city adjustment of property market policy in Bay Area
If you look at Greater Bay Area, seven other cities in Greater Bay Area have gradually adjusted their property market policies since May.
Recently, Guangzhou has relaxed the property market by relaxing social security and household registration conditions.
The introduction of Zhuhai mortgage is so far.