What we need to pay attention to is that the number of residential units in commercial personal housing loans is generally determined by the number of complete sets of housing actually owned by the buyers.
It is not because the first suite was bought in full. When buying the second suite, choosing to apply for a loan will be implemented according to the loan interest rate of the first suite. After all, banks can find out that their families have registered their houses in the housing registration information system where customers choose to buy houses.
As for the specific interest rate of the second home loan, it depends on whether the customer runs a provident fund loan or a commercial loan, and what is the implementation standard of the local mortgage interest rate. If it is a commercial loan, it depends on the latest LPR quotation at that time. Assuming a commercial loan, 10 10 was held in Shenzhen on October 30th:
Then, according to the quotation of 5438+ 10, the loan interest rate of the first set of commercial personal housing loans is not lower than the LPR plus 30BP in the same period, and the interest rate of the second set of commercial personal housing loans is not lower than the LPR plus 60BP in the same period. Then the interest rate of the second commercial housing loan purchased by the customer will not be lower than: 4.65%+0.6%=5.25%.
What should I pay attention to when buying a second suite?
1, pay attention to bank loan regulations
If you want to buy a second home through a bank loan, before formally applying for a second home loan, you'd better learn more about the relevant provisions of the loan to buy a second home, including the first home loan interest rate, the second home loan interest rate, the new commercial housing interest rate, and the second-hand housing interest rate. Don't underestimate these things, because these things will affect everyone's repayment amount, which will directly affect everyone's quality of life.
2, understand the property laws and regulations
If you want to buy a new house when you buy a second apartment, you should know which banks are supporting loans for your favorite real estate, because many developers now have their own cooperative loan banks, and they will be very resistant to the slow loan method. Because from the actual situation of many real estate projects, provident fund loans are not very popular with developers, so if you want to buy a house by loan, you must go and find out with the sales staff what loan methods your favorite real estate currently supports and which bank loan is currently supported.
3. Be cautious when signing a house purchase contract.
Although we all have some experience in buying a second apartment, we still ignore some details when buying a house. I believe that everyone attaches great importance to signing a house purchase contract, and they will be very careful when signing the contract. However, there is still one thing to remind everyone here: under normal circumstances, the developer (salesperson) will hand over a proposed contract to the customer, and there will be many blank places in the contract, but if there are no supplementary terms in these blank places,