From 2008127, the upper limit of the interest rate of commercial personal housing loans was raised to 0.7 times the benchmark interest rate of loans; The minimum down payment rate is adjusted to 20% 1 According to the risk factors such as whether the borrower buys a house for the first time, non-first-time, self-occupied or non-self-occupied housing, and the construction area of Xing Tao, residents who buy ordinary self-occupied housing and improved self-occupied housing for the first time can be given priority support in terms of loan interest rate and down payment ratio; The loan conditions for non-owner-occupied housing and non-ordinary housing shall be appropriately adjusted by the financial department. Reduce the interest rate of individual housing provident fund loans. The proportion within five years (inclusive) has dropped from the current 4.32% to 4.05%; Over the past five years, the decline rate has dropped from the current 4.86% to 4.59%, a decrease of 0.27 percentage points.

What problems should be paid attention to in personal housing loan?

1. Repay on time. 2. Don't provide false documents or information. 3. Without the permission of the lending bank, it is not allowed to dismantle, sell, donate or mortgage for many times. 4. Do not change the purpose of the loan without authorization, and do not encroach on other people's funds. 5. Cooperate with loan banks to supervise and inspect the use of loans. 6. Do not sign contracts with other legal persons or economic institutions that harm the interests of loan banks. 7. When the guarantor breaches the contract or loses the ability of joint and several liability, the collateral cannot repay the debt due to accidental damage, or the pledge is obviously reduced, which affects the lender's realization of the pledge right, the borrower shall implement a new guarantee or a new mortgage (pledge) according to the requirements of the lending bank.

What are the forms of personal housing loans?

Personal housing loan is a loan provided by the bank to the borrower to buy his own general residence. Applicants should provide guarantees when applying for individual housing loans. Personal housing loans have three ways:

1, personal housing mortgage loan; Personal housing trust loan, also known as provident fund loan, is a housing provident fund provided by banks as a financing channel according to the specified needs and the entrustment of housing provident fund management institutions. 2. Personal housing mortgage loan; Personal housing loans, also known as commercial personal housing loans, refer to loans granted to individuals and families through bank credit as the main channel. 3. Personal housing loans; Personal housing loan refers to the personal housing loan of the same borrower with housing provident fund and credit funds as the main sources.