The interest rate of the second home loan in Tianjin is not less than 1. 1 times of the benchmark interest rate, and the maximum is not more than 1.3 times. At present, PBOC has announced the benchmark annual interest rate of loans:135%; 1-5 annual interest rate: 4.75%; 5 to 30 years (90%).

One: the mortgage interest rate refers to the loan that the bank handles with real estate, which should be in accordance with the bank. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and commercial banks can implement it once.

Two: The mortgage interest rate in China is not always the same, but the economic interest rate has been rising, so we often compare the situation after the interest rate.

Three: 2065438+June 7, 2002, the lower limit of the floating range of the interest rate of personal housing loans from the central bank to commercial banks is still 0.7 times of the benchmark interest rate. If the loan term is more than one year, the loan interest rate will be adjusted once every June 65438+1 October1,and the loan interest rate will not be adjusted during the loan term. On March 20 17, Beijing 16 bank cancelled the 10% discount on the interest rate of the first home loan.

Fourth, from August 2065438 to August 2009, the national multi-city mortgage interest rate rose by 20%. On the afternoon of May 20th, 2002/KLOC-0, Shenzhen Branch of the four major banks of Industry, Agriculture, China and Communications made it clear to Du Nan that the mortgage interest rate had been raised.

Five: housing provident fund loans: housing provident fund low-interest loans that have participated in the payment of housing provident fund. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. Handle mortgage and insurance related matters at the same time.

6. Personal housing is used by employees who have applied for housing provident fund commercial loans. Those who have not paid the housing accumulation fund have no chance to apply for a loan, but they can apply for a personal housing guarantee loan from a commercial bank, that is, the balance of the deposit in the loan bank account is used to purchase a house as a down payment, the assets recognized by the loan bank are used as collateral or pledge, or a unit or individual with sufficient compensation ability is used to repay the principal and interest of the loan and bear joint liability to use the bank mortgage loan.

Seven: individual housing portfolio loan: the maximum amount of housing provident fund management is generally1-290,000 yuan. If the purchase price exceeds this limited loan. These two kinds of loans are collectively called portfolio loans. This business can choose a loan portfolio with moderate interest rate.

2.202 1 what is the interest rate discount for the first suite?

At present, the interest rate of the first suite lPR48 is 48 basis points, accounting for 6. 13.

Third, the first suite preferential interest rate

When buying a house for the first time in July 2008, the interest rate should be 7.830.85=6.6555%. Why 7.83? /

From next year 1 month 1 day, it will be adjusted to 7.20.7=5.04%.

The interest rate discount for the first suite used to be 0.85%,,, and now it is 0.7%,,,

How can it be 7.83% or your house area exceeds 130 square meters?

4. Preferential policy for couples' first suite 202 1

Legal analysis: 1. The down payment ratio of the first suite is lower than the second suite. For example, the down payment ratio of the first suite is 30% of the house price, then the down payment ratio of the second suite is at least 40%-50% of the house price. The down payment ratio is lower and the house price is higher and higher.

2. When the property right of the house changes, the deed tax needs to be levied on the new owner, and the tax rate is generally 3%-5%. The first suite can enjoy deed tax relief. For example, the tax rate is only 1% for ordinary houses with an area less than 90 square meters for the first time, and only 1.5% or 2% for ordinary houses with an area greater than 90 square meters for the first time. In the process of paying taxes, only the house is recognized, that is, if there is no room under the name, it will be charged according to the standard of the first suite.

At present, China's benchmark interest rate is 4.9%. In some cities, the interest rate of the first suite may rise by 5%- 10% or be implemented according to the benchmark interest rate. If you buy a second home, the loan interest rate may rise by 20%.

4. For the purchase of self-occupied ordinary housing, the minimum down payment ratio of housing provident fund loans is adjusted to 20%. For families who purchase self-occupied ordinary housing for the first time and meet the loan conditions, the maximum loanable amount of basic provident fund for each household will be increased from 200,000 yuan to 300,000 yuan, and the maximum loanable amount for each household will be 600,000 yuan. If there is supplementary housing provident fund, the maximum loan limit for each household is 800,000 yuan.

Legal basis: the Supreme People's Court's explanation on the application of marriage and family in the Civil Code of People's Republic of China (PRC) (I).

Article 25 During the marriage relationship, the following properties belong to "other properties that should be jointly owned by * * *" as stipulated in Article 1062 of the Civil Code:

(1) Income obtained by one party through personal property investment;

(2) Housing subsidies and housing accumulation funds actually obtained or should be obtained by both men and women;

(three) the basic pension and bankruptcy resettlement compensation actually obtained or should be obtained by both men and women.

Article 26 The income generated by one spouse's personal property after marriage, except fruits and natural appreciation, shall be recognized as the joint property of husband and wife.

Twenty-seventh houses rented by one party before marriage and purchased with the same property after marriage shall be recognized as the joint property of husband and wife if they are registered in the name of one party.