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Suzhou is also one of the cities that implement the policy of restricting purchases and loans. If you want to buy a house in Suzhou, you need to know the local mortgage policy in addition to the relevant purchase policy. So what are the mortgage policies in Suzhou? Next, Bian Xiao will give a brief introduction.

1. According to Suzhou's latest mortgage policy, we apply for a commercial loan to buy the first house, and the minimum down payment ratio is 30%. If you apply for a provident fund loan to purchase the first house, and the residential area does not exceed 90 square meters, and the total house price is not higher than 165438+ ten thousand yuan, the minimum down payment ratio is 20%. Moreover, individuals apply for provident fund loans for the first time, with a maximum amount of 450,000 yuan. If it is the first time for a family to use provident fund loans, the maximum amount is 700,000 yuan.

2. If when we apply for a commercial loan to buy a house, there is no house in the family name but there is a loan record, or there is a house in the family name but there is no loan record, then the minimum down payment ratio is 50%. If we have a house in our name and the loan is not paid off, then the down payment ratio will be relatively high, and at least 80% down payment will be required.

3. For the second time, apply for provident fund loan to buy a house. The minimum down payment ratio is 50%, and the maximum loan amount is adjusted accordingly. Individuals use provident fund loans for the second time, with a maximum amount of 300,000 yuan; Families use provident fund loans for the second time, with a maximum amount of 500,000 yuan. At present, Suzhou does not provide commercial loans for third homes.

4. The interest rate of the first home mortgage of major banks in Suzhou is mostly the benchmark interest rate. Some banks have a 10% discount on the interest rate of the first suite, and some banks have a 15% discount on the interest rate of the first suite. The mortgage interest rate of second-hand houses is mostly 1. 1 times the benchmark interest rate. The specific mortgage interest rate is subject to the relevant regulations of the bank.

Bian Xiao concluded: What mortgage policies are there in Suzhou? Bian Xiao introduced it here. I hope everyone can understand Suzhou mortgage policy after reading this article. Before applying for a housing loan, you can learn about the relevant regulations of major banks on housing loans.

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Suzhou mortgage interest rate

As of June165438+1October 19, 2022, the interest rate of Suzhou mortgage has not been adjusted back, that is, the interest rate of Suzhou mortgage is as low as 4. 1% for the first set and 4.9% for the second set. Compared with August, the mortgage interest rate of many preferential banks in Suzhou implemented the policy of 4.25% for the first loan and 5.05% for the second loan, which dropped a lot, so the mortgage interest rate in Suzhou has not been adjusted back. Suzhou, called Gusu and Pingjiang in ancient times, is a prefecture-level city under the jurisdiction of Jiangsu Province, a class of big cities, and one of the important central cities in the Yangtze River Delta approved by the State Council.

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Nanjing interest rate callback

The relevant staff of the bank said that it has not received the relevant notice of raising interest rates.

The lowest mortgage interest rate in Nanjing is 4.25%, and most banks generally adjust it to 4.25%-4.45%. The highest is 4.65%, and the interest rates of the first home mortgage of Agricultural Bank of China and Bank of Shang Hui are relatively high. The second home loan interest rate is generally adjusted to 5.05%, with a minimum of 4.85%. Fubon Huayi Bank and Suzhou Bank both have interest rates of 4.85%. Some banks, such as CITIC, Agricultural Bank of China and China Construction Bank, have changed the qualification standards for first-home certification. That is, if you have a suite under your name, you can enjoy the loan interest rate of the first suite if you go to mortgage to buy a house again on the premise that the loan of the buyers has been paid off.

What is the loan interest rate of Suzhou Bank 202 1?

The loan interest rates of banks and regions fluctuate on the benchmark interest rate announced by the central bank. Take the interest rates of the four major banks in Suzhou as an example, as follows:

The loan interest rate of China Bank in Suzhou area is 5.05%;

The loan interest rate of Suzhou Industrial and Commercial Bank is 5.10%;

The loan interest rate of Suzhou CCB is 5.05%;

The loan interest rate of Suzhou Agricultural Bank is 5.10%;

The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. China's interest rate is managed by the People's Bank of China, and the determined interest rate is implemented after being approved by the State Council. The loan interest rate directly determines the profit distribution ratio between the borrowing enterprise and the bank, thus affecting the economic interests of both borrowers and lenders. The loan interest rate varies with the types and duration of loans, and it is also related to the scarcity of borrowed funds.

The People's Bank of China announced that, with the approval of the State Council, the lower limit of 0.7 times of the loan interest rate of financial institutions will be cancelled from July 20th, 20 13, and financial institutions will independently determine the loan interest rate level according to commercial principles.

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × annual (monthly) × annual (monthly) interest rate+principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year. However, when calculating the actual daily interest rate, it will be calculated according to 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.