Wuhu second-home loan new policy includes the latest second-home loan policy and second-home down payment. Temporarily 20 17 to continue to use this policy. If there is any change, please refer to the announcement of official website.

The down payment ratio of the second home will be raised from the current 60% to 70%, and the interest rate will be raised from 1. 1 times to 1.3 times. However, the bank said that it has not received the notice at present, and the second home loan policy is still implemented in accordance with "60% down payment for the second home loan and interest rate policy 1. 1 times".

"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children); Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level; Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.

Downpayment ratio of commercial loans: 60% down payment for the second suite, and the loan interest rate is 1. 1 times of the benchmark interest rate.

Down payment ratio of provident fund: According to the latest regulations of Changsha Housing Provident Fund Management Committee, as long as the first suite area is 1.20 square meters, when buying the second house, the housing provident fund personal housing loan will no longer be issued; If the area of the first suite is below 1.20 square meters (inclusive), and the housing provident fund loan is used to purchase the second set of ordinary self-occupied housing, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first set of housing provident fund in the same period.