It is 6.2% and 6.4%.
According to the official data of 202 1 Hangzhou mortgage interest rate, the interest rates of the first home loan and the second home loan in 202 1 Hangzhou reached 6.2% and 6.4% respectively.
Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank.
What is the interest rate of the first commercial loan in Hangzhou?
The interest rate of the first home loan in Hangzhou fluctuates on the basis of the national benchmark interest rate, and the specific floating ratio depends on the loan bank applying for the loan.
The national benchmark interest rates are as follows:
1. Commercial loan: the benchmark interest rate is 4.35% within one year, 4.75% within one to five years and 4.9% over five years.
2. Provident fund loan: the benchmark interest rate is 2.75% for less than five years and 3.25% for more than five years.
Interest rate of the first home loan in Hangzhou in 2020: At present, the benchmark interest rate of commercial loans implemented by banks for more than five years is 4.90%, and the benchmark interest rate for less than five years (including five years) is 4.75%; The benchmark interest rate of housing provident fund loans for more than five years is 3.25%, and the benchmark interest rate for less than five years (including five years) is 2.75%.
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Hangzhou first home loan interest rate in 2020
Commercial loan interest rate of Hangzhou First Suite Bank:
Loans for less than five years (including five years) 4.75%;
Loans over five years are 4.90%.
Interest rate of the first home provident fund loan in Hangzhou:
Personal housing provident fund loans for less than five years (including five years) 2.75%;
Personal housing provident fund loans for more than five years are 3.25%.
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Hangzhou Loan Purchase Policy in 2020
Hangzhou Housing Management Bureau issued a notice again to further improve Hangzhou's policy of recognizing houses and loans and restricting purchases. The notice clarified the group and scope of purchase restriction, and adjusted the loan identification standard of provident fund loans and the down payment ratio of commercial loans.
First, the scope of purchase restriction
Restricted purchase: Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District and Xiaoshan District include Dajiangdong, Yuhang District, Fuyang District and Binjiang District.
Unlimited purchase: Lin 'an District
Second, restricted groups.
According to the latest regulations of Hangzhou's housing purchase policy, whether you are qualified to buy a house mainly depends on two points: the number of accounts and the number of houses under your name. The specific policies are as follows.
1. From March 29th, 20 17, the sale of newly-built commercial housing and second-hand housing to adult singles (including divorced) who own 1 apartment or households with two or more apartments in this city will be suspended.
2. Non-local registered residents who buy the first house must provide proof that they have paid social security for two years or more in this city in the first three years from the date of purchase, and suspend the sale of new houses to non-local registered residents who own/kloc-0 houses or more.
3. Households whose household registration has moved from other places to Tonglu, Jiande, Lin 'an and Chun 'an counties (cities) can only buy houses in the restricted areas of Hangzhou after two years from the date of household registration, which shall be implemented in accordance with the city's restricted purchase policy.
4, enterprises in Hangzhou to buy housing, 3 years before listing.
Note: Since 2065438+September 28th, 2006, the policy of purchasing houses and entering households has been suspended in Hangzhou (including Xiaoshan, Yuhang, Fuyang and Dajiangdong).
Down payment ratio of Hangzhou first home loan
Commercial loans:
In fact, the down payment ratio of the first suite is not fixed, because the down payment ratio of the first suite will vary in different places, so the down payment ratio of the first suite is also a difficult point to grasp. However, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new houses is 30%. That is, if you want to buy a house with a value of 1 00000, then your down payment should be at least10000 times 30% which equals 300000 yuan.
Provident fund loan:
Taking the family as a unit, if it is the first time to buy a house by loan, you can borrow 80% of the appraised price of the house, and 70% for those over 90 square meters. It is worth reminding that if the provident fund is not rated, generally speaking, it can only be loaned to 800,000, depending on the amount and proportion of your provident fund deposit. The calculation method of down payment for the first suite is: down payment = total house price-customer loan amount = contract price (market price) multiplied by 80% (the maximum loan amount can reach 80%). Generally speaking, the down payment ratio of the first home provident fund loan of 90 square meters or less is not less than 20%, and the loan of 90 square meters or more is not less than 30%.
Hangzhou's latest first suite identification standard
1, loan to buy a suite, commercial loan has been settled, and then loan to buy a house-the first set.
I bought a suite with a loan and then sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.
3. I bought a mortgage to buy a house in full-the first set.
4. I bought a suite in full and sold it. If I can't find the property in the housing registration system, I will take out a loan to buy a house-the first set.
5. The commercial loan records of two suites under the personal name have all been paid off and sold. At the same time, two sets of house sales certificates can be provided. In this case, when refinancing, the first set will count.
6. A commercial loan for a suite under the name of an individual has been paid off, and the other is that the provident fund loan has been sold. At the same time, you can provide proof of house sale, apply for a commercial loan and then buy a house-the first set is counted.
7. One spouse buys a house with a commercial loan before marriage, and the other spouse buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.
8. One spouse has a house before marriage but no loan record, and the other spouse has a loan record before marriage but no real estate under his name. After marriage, he bought a house and applied for a loan-the first set of calculations.
What is the housing loan interest rate in Hangzhou?
1. At present, the housing interest rate in Hangzhou mainly fluctuates based on the benchmark interest rate of the central bank, and the specific interest rate is subject to the loan contract.
2. The benchmark interest rate of the central bank is as follows:
3. If the loan term is within one year (including one year), the loan interest rate is 4.35%;
4. If the loan term is from one year to five years (inclusive), the loan interest rate is 4.75%;
5. The loan interest rate for loans with a term of more than five years is 4.9%;
6. If the applicant uses the housing provident fund when applying for mortgage loan, the benchmark interest rate of the loan shall be implemented according to the following standards:
7. If the loan term is less than five years (including five years), the loan interest rate is 3.25%;
8. The loan interest rate for loans with a term of more than five years is 4.9%.