1, 0-6 months (including 6 months), annual interest rate: 4.35%.
2.6 months-1 year (inclusive), with an annual interest rate of 4.35%.
3. 1-3 years (including 3 years), with an annual interest rate of 4.75%.
4.3-5 years (including 5 years), the annual interest rate is 4.75%.
5, 5-30 years (including 30 years), annual interest rate: 4.90%.
The first suite refers to the purchase of only one set of housing (according to the national standard of the first suite). The People's Bank of China stipulates that urban residents in China can enjoy preferential policies such as preferential mortgage interest rate and minimum down payment ratio when purchasing the first home.
On September 30th, 20 14, the People's Bank of China released the latest mortgage policy and decided to relax the identification of the first suite. For families who own 1 suite and buy a house after paying off the loan, the first suite policy is implemented, and the minimum interest rate for the first suite loan is 30%.
Meet the requirements of the first suite:
The so-called "first suite" must meet three conditions at the same time: the buyer 18 years old; The house bought is an ordinary house below 90 square meters; There is no house purchased alone or jointly with others under the name of the purchaser. However, housing purchased with parents, purchased in accordance with the housing reform policy, and acquired through inheritance or demolition and resettlement are excluded.
2065438+On September 30, 2004, the People's Bank of China officially issued the Notice of the People's Bank of China and the Banking Regulatory Commission of China on Further Improving Housing Financial Services, clarifying that families who own/kloc-0 apartments and have settled their corresponding housing loans should apply for loans again to buy ordinary commercial housing and implement the first home loan policy.
Baidu encyclopedia-first suite