There is no preferential policy for 30% loan interest of 3.87 (provident fund).
2. What is the interest rate of the first second-hand housing loan?
As for the loan interest rate of second-hand houses in the first suite, the bank has not made it clear that the first home loan will distinguish between first-hand houses and second-hand houses. But in the actual mortgage, it is common that the loan interest rates of the two are different. At present, the loan interest rate is not only related to the number of first-hand houses or second-hand houses, but also related to the borrower's qualified loan amount. The better the borrower's qualification, the higher the loan amount, and the easier it is to apply for a relatively low loan interest rate. At present, the loan interest rate has a certain relationship with loan banks with different loan purposes, nature, duration and policies. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate.
3. What is the mortgage interest rate in Fuzhou?
The mortgage interest rate in Fuzhou fluctuates according to the benchmark interest rate of the central bank, and the floating range is mostly 0.5-2 percentage points, with no upper limit. At present, the interest rate of bank loans in Fuzhou is 1, the interest rate of industrial and commercial bank loans is 10%, and the second set of interest rates is 15%. 2. CCB mortgage interest rate: the first interest rate rises 10%, and the second interest rate rises 15%. 3. China Bank mortgage interest rate: the first interest rate rises by 15%, and the second interest rate rises by 20%. 4. The mortgage interest rate of Guangfa Bank: the first set of interest rates rose by 20%, and the second set of interest rates rose by 25%. The above interest rates are for reference only, subject to the actual listing rate.
4. What is the interest rate of the first suite in Fuzhou?
Compared with the month of 10, the current interest rate of the first home loan in Fuzhou decreased by 0.05%. At present, the interest rate of the first suite is between 5.25% and 5.75%, and the mainstream interest rate is 5.4%; The second set of interest rates is between 5.45% and 5.75%, and the mainstream interest rate is 5.5%.
Judging from the current situation, affected by the quota, the mortgage interest rate in Fuzhou will not change much at the end of the year, and the mortgage interest rate will continue to be lowered to next year.
The general bank's approval time for the overall mortgage is 3 to 5 days, and the loan can be completed within one month.