Second, the loan interest rate for purchasing the first suite with provident fund loans is 2.75% for loans within five years and 3.25% for loans over five years.
Third, the loan interest rate for buying a second house with commercial loans is higher than that for the first house 10%. The interest rate of housing loan in Ezhou is 4.35%-4.90% for the first home commercial loan and 2.75%-3.25% for the provident fund loan. This is the benchmark interest rate set by the Bank of China, and the bank determines the differential loan interest rate on this basis. Generally speaking, the amount of provident fund loans is 30 times of the balance of 10- provident fund, so if the provident fund is insufficient, you can choose portfolio loans, and the interest rate of portfolio loans may be discounted, depending on the policy of the lending bank. If you buy a second suite, the loan interest rate is 1. 1 times that of the first suite. At present, the mortgage interest rate in Ezhou is still relatively high. If you buy the first suite in your own name, the commercial loan interest rate is about 6.5%, and the provident fund loan interest rate is about 3.25%. At present, the house price in Ezhou is still very cheap. At present, the average house price in Ezhou is only about 5790 yuan, up 0.8% from last month. In fact, I think the unit price of the house in Ezhou is so cheap now, and the total price will definitely not be particularly expensive, so if you want to buy a house, you can consider buying it in full. Buying a house in Ezhou can be a loan, that is, paying the down payment first and paying the rest every month, which can also reduce everyone's economic pressure, which is very convenient. But now the housing loan interest rate in Ezhou is not fixed, because there are many local banks, and the loan interest rate of each bank is different, depending on the time of your loan. The loan interest rate is 4.35% for less than one year, and 4.9% for more than five years.