On September 30, 20 14, the central bank announced the new standard of mortgage determination: families who own 1 apartment and settle their loans apply for ordinary commodity housing again, which is regarded as the first suite. For those who own two or more houses and have settled their loans, the down payment ratio and loan interest rate can be carefully grasped according to the borrower's solvency and credit status.
2065438+On March 30th, 2005, the central bank loosened the mortgage policy again after the "9.30" New Deal, and reduced the down payment for the second home to 40%. At present, commercial banks in Xi have successively implemented the New Deal. The policy of provident fund is to use the housing provident fund loan for the first time to buy self-occupied ordinary housing, and the down payment ratio is not less than 20%; Workers who have used the housing provident fund loan 1 time and have settled the loan, in order to improve their living conditions, buy a second set of self-occupied ordinary commodity housing. The down payment ratio of building area144m2 or less shall not be less than 20%, and the down payment ratio of building area144m2 or more shall not be less than 30%. The down payment ratio for the purchase of finely decorated houses shall not be less than 30%.
Let's take a look at the interest rate table of the second suite:
1, second-home commercial loan interest rate
2. Interest rate of commercial loans in 2.Xi City
3. Two sets of interest rates for provident fund
4.Xi list of provident fund projects
(The above answers were published on 2015-12-17. Please refer to the actual situation for the current purchase policy. )
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