The housing loan interest rates of banks in Hangzhou are as follows:
The housing interest rate of Hangzhou provident fund loan is 3.25% for the first suite and 1. 1 times for the second suite.
1. If employees' families (including the principal borrower, spouse and minor children) have no housing and no housing loan records, they will use housing provident fund loans to purchase ordinary self-occupied housing and implement the first set of housing provident fund loan policies. According to different housing types, the down payment ratio is as follows:
1. When purchasing commercial housing, the down payment ratio of the loan shall not be less than 30%, and shall not be less than the minimum down payment ratio agreed in the property cooperation agreement of the provident fund center;
2 the purchase of affordable housing, loan down payment ratio of not less than 20%;
3. If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%;
4 the purchase of public housing, the loan amount does not exceed 70% of the total house price;
5 demolition resettlement or new construction, renovation and overhaul of owner-occupied housing, the loan amount does not exceed 70% of the actual payment.
2. If the employee's family already owns a house or has no house but has a housing loan record, the second set of housing provident fund loan policy shall be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of not less than 60%, and the interest rate of provident fund loan is 1. 1 times of the interest rate of the first set of housing provident fund loans in the same period;
Three, there are two or more sets of housing or outstanding housing provident fund loans under the name of the employee's family, and may not apply for housing provident fund loans.
Four, the down payment ratio should be determined according to the housing situation, price, family repayment ability and credit status. Those who apply for commercial portfolio loans or provident fund commercial discount loans must meet the relevant requirements of commercial banks at the same time.
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