The interest rate of the first home loan in Anfu County, Ji 'an City, Jiangxi Province is set by banks, and different banks have different interest rates. Generally speaking, the benchmark interest rate is 4.90%, the benchmark interest rate rises by 0.35%, and the execution interest rate is 5.25%. The benchmark interest rate rises 1. 1%, and the implementation interest rate is 6.00%; The benchmark interest rate rose by 1.75%, and the implementation interest rate was 6.65%. The benchmark interest rate rose by 2.4%, and the executive interest rate was 7.30%. In addition, banks can also adjust the interest rate according to the credit status of lenders, loan term, loan amount and other factors.
Jiangxi bank housing mortgage loan interest rate
Hello, the housing mortgage interest rates of Jiangxi Bank is generally 4.9%-7.2%, and the specific interest rate is subject to the announcement of Jiangxi Bank in official website. The longest mortgage loan of Jiangxi Bank can be borrowed for 30 years, and the maximum loan amount is 5 million yuan. The loan term can be adjusted according to the actual situation of customers, and the shortest loan can be 1 year. Jiangxi Bank needs to provide relevant information such as purchase contract, real estate license and ID card when applying for housing mortgage loan. Jiangxi Bank will review the loan application according to the customer's situation, and the loan can be obtained after the approval.
Xinyu first home loan interest rate
At present, the average interest rate of the first home loan in the three regions is 5.4%, which is 30-60BP(0.3%-0.6%) lower than that at the beginning of the year.
In recent years, China has continued to deepen the interest rate marketization reform, consolidate the decline in real loan interest rates, and continue to make profits to the real economy and the people. From June 20438 to October 20, 2022 10, the quoted interest rate (LPR) of loans with a term of more than five years was lowered by 5 BP(0.05%) to 4.6%, which was the first reduction since April 2020, bringing space for guiding the downward trend of housing loan interest rate and bringing benefits to meet the reasonable needs of residents, especially new citizens.
Through interviews with bankers, it is known that banking institutions in many areas of Jiangxi Province have released the signal of lowering the interest rate of the first home loan. For example, Xinyu Rural Commercial Bank said, "Our first home loan interest rate can be as low as 5. 1%, which is 40 BP(0.4%) lower than before. Shangrao Bank said, "Recently, we issued the Notice on Adjusting the Bank's Mortgage Interest Rate to all branches in the province, and the lowest interest rate of newly accepted first-home loans from April 1 1 is 5.2%, which is equivalent to a further reduction of 45 BP(0.45%) on the basis of the previous decline in the first-home interest rate, which is the lowest level in recent years." Some banking institutions in Jiujiang said that they will fully implement the new policy of talent support, and purchase the first set of just-needed housing for the talents identified by the policy, with the lowest interest rate as low as 4.9%.
In addition, a number of banking institutions indicated that they will implement differentiated housing credit policies according to changes in market operation, and it is expected that the interest rate of the first home loan will be further lowered. For the purchase of new commercial housing within the central city, the minimum down payment ratio of the first suite of commercial loans will be reduced to 20%, and the mortgage interest rate will be 4.1%; The minimum down payment ratio of the second suite was lowered to 30%, and the mortgage interest rate was 4.9%.
The maximum amount of housing provident fund loans will be raised to 800,000 yuan, and the minimum down payment ratio for purchasing the first ordinary self-occupied house will be reduced to 20%, and the loan interest rate will be 3. 1%, and the minimum down payment ratio for purchasing the second ordinary self-occupied house will be reduced to 30%.
The introduction of the first home loan interest rate in Jiangxi ends here.