1. Changchun provident fund loan new policy in 2022?

Starting from October 1, 2022, the provident fund loan interest rate in Changchun City will be reduced to 3.1%.

Commercial Provident Fund Portfolio Loans and Household Portfolio Loans have been extended to December 31, 2022. It is rumored that the maximum home loan limit may be reduced from 900,000 to 700,000 next year.

2. What is the loan interest rate and down payment ratio for Changchun commercial loans to buy a house?

If you apply for a housing loan (including first-hand and second-hand properties) through China Merchants Bank, the down payment ratio is as follows:

p>

1. For the first home, the minimum ratio is 30%, that is, the maximum loan amount shall not exceed 70% of the value of the property purchased (in cities that do not implement "purchase restrictions", the ratio will be adjusted to no less than 25%)

2. For a second home, the minimum ratio is 40%, that is, the maximum loan amount shall not exceed 60% of the value of the purchased property.

The specific amount you can borrow requires you to submit relevant information and can only be determined after the outlet has reviewed it. You can directly contact the local outlet’s personal loan department for consultation.

3. What is the loan interest rate and down payment ratio for Changchun commercial loans to buy a house?

Commercial mortgages mean that when purchasing ordinary commercial housing, you can mortgage the house you purchased, or use Apply for a personal housing loan from a bank by using other property owned by yourself or a third party as collateral (pledge), or by a third party providing joint and several guarantee liability for the loan.

Changchun commercial loan interest rate (latest)

The loan interest rate is divided into three levels: the interest rate for the loan period within 1 year (including 1 year) is 5.1%; the loan period is 1—— The interest rate for 5 years (including 5 years) is 5.5%, and the interest rate for loans with a term of more than 5 years is 5.65%. The interest rates for second homes vary from city to bank and are subject to local implementation.

Changchun commercial loan down payment ratio (latest)

First house: down payment ratio is not less than 30% (some banks may offer discounts for first house loans)

II House: For a household that owns one house and has not yet paid off the purchase loan to purchase a second house, the minimum down payment ratio is adjusted to no less than 40%; for households with deposited employees who own one house and have paid off the corresponding house purchase loan, the minimum down payment ratio is adjusted to no less than 40%. To improve living conditions, apply for a housing provident fund entrusted loan again to purchase an ordinary owner-occupied house. The minimum down payment ratio is 30%.

(The above answer was published on 2015-06-07, please refer to the actual relevant current house purchase policies)

Click to receive the house viewing red envelope, and receive 100 yuan in cash directly

4. What is the loan interest rate and down payment ratio for commercial loans to buy a house in Changchun?

Commercial housing loan means that when purchasing ordinary commercial housing, you can use other properties owned by yourself or a third party as collateral (pledge), or a third party can provide a joint housing loan for the loan.

Changchun commercial loan interest rate (latest)

The loan interest rate is divided into three levels: the interest rate for the loan period within 1 year (including 1 year) is 5.1%; the loan period is 1—— The interest rate for a loan term of 5 years (including 5 years) and more than 5 years is 5.65%. The interest rate for the second home shall be subject to the local implementation.

Changchun commercial loan down payment ratio (latest)

First house: The down payment ratio is not less than the loan and can be discounted)

Second house: For those who own a house and For home purchase loans, the minimum down payment ratio is adjusted to no less than 40%; for deposit-paying employee families that own one house and have paid off the corresponding home purchase loan, in order to improve their living conditions and apply for public housing again for self-housing, the minimum down payment ratio is adjusted to no less than 40%. is 30%.

(The above answer was published on 20, please refer to the actual relevant current house purchase policies)

Click to receive a house inspection