4.65% or 5.7%
The interest rate of 202 1 Shanghai mortgage is 4.65% or 5.7%, because the New Deal stipulates that the interest rate of the first home loan in Shanghai will be adjusted from the previous 4.65% to 5%, and the interest rate of the second home loan will be raised from 5.25% to 5.7%. The new regulations will be implemented on July 24th, 20021year.
1. Annual interest rate of commercial loans within one year: 4.350%.
2. Enjoy the annual interest rate of entertainment loans for one to five years: 4.750%.
3. The annual interest rate of commercial loans over five years: 4.900%.
4. Annual interest rate of provident fund loans for less than five years: 2.750%.
5. The annual interest rate of provident fund loans for more than five years is 3.250%. 4.65% or 5.7%
The interest rate of 202 1 Shanghai mortgage is 4.65% or 5.7%, because the New Deal stipulates that the interest rate of the first home loan in Shanghai will be adjusted from the previous 4.65% to 5%, and the interest rate of the second home loan will be raised from 5.25% to 5.7%. The new distribution rules will be implemented on July 24th, 20021.
1. Annual interest rate of commercial loans within one year: 4.350%.
2. Annual interest rate of commercial loans for one to five years: 4.750%.
3. The annual interest rate of commercial loans over five years: 4.900%.
4. Annual interest rate of provident fund loans for less than five years: 2.750%.
5. Annual interest rate of provident fund loans for more than five years: 3.250%.
2022 Shanghai first loan interest rate
In 2022, the interest rate of the first home loan in Shanghai was 4.9%, including 4.75% for commercial loans and 4.9% for provident fund loans. In addition, according to the latest regulations of Shanghai Housing and Urban-Rural Development Committee, the minimum loan interest rate for Shanghai residents to purchase the first home is 4.9%, of which the minimum commercial loan interest rate is 4.75% and the minimum provident fund loan interest rate is 4.9%. In addition, the Shanghai Housing and Urban-Rural Development Committee also stipulates that the loan period for Shanghai residents to purchase the first home can be up to 30 years, including 25 years for commercial loans and 30 years for provident fund loans.
What is the interest rate of the first home mortgage in Shanghai in May 20 19?
Hello, according to the regulations of Shanghai Bank, the interest rate of the first home mortgage in Shanghai from 2065438 to May 2009 is: 4.90% for commercial loans and 3.25% for provident fund loans. In addition, Shanghai Bank also offers a variety of preferential policies, such as: lending a certain amount can enjoy interest rate concessions, lending a certain amount can enjoy loan term concessions.
What is the interest rate of the first home loan in Shanghai?
With the high housing prices, more and more people choose to buy houses by installment.
Take Shanghai as an example. Then, what is the general interest rate for the first home loan in Shanghai? What is the standard for determining the first suite in Shanghai? Don't worry, if you are interested in this, you might as well come and learn about it with me!
What is the interest rate of the first home loan in Shanghai?
At present, the interest rate of the first home loan in Shanghai is 4.9%. At present, almost all banks have a 15% discount. However, it should be noted that if there have been housing loans (including provident fund loans and commercial loans) nationwide, it is considered that the two sets of policies are applied again in Shanghai. In addition, according to different personal credit information, banks will give different discounts or interest rates, and the floating range is also different.
What is the standard for the first suite in Shanghai?
1, Shanghai first suite identification standard: if the loan has been used to buy a suite and the commercial loan has been paid off, the loan will be used to buy a house and be regarded as the first suite; I bought a suite with a loan and sold it. I can't find the real estate through the real estate registration system, but if I can find the loan record in the credit information system, I will borrow again to buy a house and count it as the first suite. I bought a suite in full, and then borrowed money to buy a house, which is also the first suite.
2. I bought a suite in full and later changed hands. The real estate registration system can't find the real estate, and then I borrow money to buy a house, which is the first suite; In the case that there are 2 commercial loan records in the name of the individual, and both of them have been settled for sale, and at the same time, two sets of housing sales certificates can be provided, when buying a house by refinancing, it is regarded as the first suite.
3. If a commercial loan for a suite under the name of an individual has been settled, and another provident fund loan has been sold, and proof of housing sale can be provided at the same time, the application for commercial loan to purchase a house is regarded as the first suite. One spouse buys a house with a commercial loan before marriage, and the other spouse buys a house with a provident fund loan before marriage. Borrow money in the name of husband and wife after marriage.
Editor's summary: After reading the above introduction, I believe everyone has a further understanding of the interest rate of the first home loan in Shanghai. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
Shanghai mortgage interest rate in 2022
The mortgage interest rate in Shanghai in 2022 is as follows:
1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years;
3. Personal housing provident fund loan: the loan interest rate for five years or less is 2.75%, and the loan interest rate for five years or more is 3.25%.
This is the last installment of Shanghai's first home loan interest rate and mortgage calculator in 2022. I wonder if you found the information you need from it?