Suqian is not limited to buying a house. Under normal circumstances, the down payment ratio of provident fund loans is 20%, and that of commercial loans is 30%.

1, in Suqian. If the provident fund is used, and the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall be 20% of the total house price. If the purchase area of provident fund loans is more than 90 square meters, the down payment shall be more than 30%;

Suqian's first home provident fund loan, the benchmark interest rate is 3.25%, and the second home loan interest rate generally rises 10%.

2. If it is a bank mortgage loan to buy a house, the down payment for the first suite is more than 30%;

At present, the quoted interest rate (LPR) in the loan market is 65438+3.85% for 0 years and 4.65% for 5 years and above.

The new commercial personal housing loan interest rate is formed by adding the loan market quotation (LPR) of the corresponding period of nearly one month as the pricing benchmark. Among them, the interest rate of the first commercial personal housing loan shall not be lower than the LPR in the same period, and the interest rate of the second commercial personal housing loan shall not be lower than the LPR plus 60 basis points in the same period.