Zhengzhou first home loan interest rate dropped to 3.8%
65438+1On October 29th, Dahe Financial Cube reporter learned from some banks in Zhengzhou that the annual interest rate of the first home loan will be lowered from now on. Zhongyuan Bank, Industrial and Commercial Bank of China, Bank of China and other banks have recently adjusted to 3.8% (simple interest), and the applicable area is Zhengzhou City. There are also many banks that have not received the relevant notice and should follow the unified arrangement of the head office.
It is reported that before this adjustment, the annual interest rate of the first home mortgage loan in Zhengzhou generally implemented the standard of 4. 1%. This downward adjustment means that new customers have saved another sum of money from today. If the mortgage is 6,543.8+0,000 yuan and the principal and interest are repaid in equal amount for 30 years, the monthly mortgage will be reduced by 654.38+072.4 1 yuan, that is, from 483 1.98 yuan to 4,659.57 yuan.
China Resources, Cinda, Zheng Hong and other real estate consulting companies also confirmed the above news. A number of property consultants told Dahe Financial Cube that they had been notified on the morning of the 29th. From now on (65438+129 October), the annualized interest rate of the first suite in Zhengzhou will be implemented at 3.8%, and the interest rate of the second suite will remain unchanged at 4.9%. If the foreign mortgage is not settled, buying a house in Zhengzhou can be implemented according to the down payment and interest rate policy.
What does the first home loan interest rate mean?
The first home loan interest rate refers to the interest rate paid by the bank to the borrower to purchase the first ordinary housing loan for personal use. Banks generally take the benchmark interest rate of central bank loans as the implementation reference, and verify the actual interest rate in combination with the bank's operation and the borrower's credit situation. The floating space is generally between 0-30%.
The interest rate of the first suite housing loan is generally lower than that of the second suite and multi-suite, and the repayment pressure is extremely small.
The interest rate of the first home loan is reduced, is the loan repayment less?
Generally speaking, interest rate reduction means that the central people's bank reduces the preferential loan interest rate (LPR), and the housing loan interest rate of lending institutions consists of LPR plus basis points, that is to say, the adjustment of LPR is a direct factor affecting the loan interest rate.
The impact of interest rate cuts on people who have already borrowed money to buy a house should be analyzed according to the specific loan interest rate policy.
1, provident fund center loan
If we apply for a housing loan through the provident fund center, the reduction of LPR has no effect on our repayment amount, because the provident fund center implements a fixed repayment rate stipulated by the People's Bank of China, which has nothing to do with LPR.
2.LPR fixed interest rate
If we apply for a housing loan from a commercial bank, and when signing a mortgage agreement, we agreed with the commercial bank to form a mortgage interest rate in the form of LPR fixed interest rate plus basis points, the central bank's adjustment of LPR will not affect our repayment interest rate, and we will repay according to the loan interest rate composed of LPR plus basis points when signing the agreement until the end of the repayment period.
3.LPR floating interest rate
If we apply for a housing loan from a commercial bank, and when signing a mortgage agreement, we agree with the commercial bank to form a mortgage interest rate in the form of LPR floating interest rate plus basis points, the adjustment of LPR by the People's Bank of China may affect our repayment interest rate.
It may have an impact because when we sign a loan agreement with a commercial bank, we will stipulate a mortgage interest rate change cycle, and the LPR adjustment during the cycle will not immediately affect the repayment interest rate. Only when the next month after LPR adjustment happens to be a change cycle will our repayment amount be reduced.
What should I pay attention to when buying the first suite?
1, avoiding the deposit trap
Many developers will play as many preferential activities as possible. how much is the deposit? Some developers will refund the deposit. Some retired for various reasons. So if you pay the deposit, you must be optimistic about the deposit contract!
2. Avoid the trap of robbing houses.
Developers always create an atmosphere of grabbing houses. Let many buyers concentrate on a time period to grab the house together! So many people want to grab a good room number. You will rob the house without thinking! Moreover, many developers announced the house price before robbing the house. So be sure to figure it out before deciding whether to grab it! Don't rob and the price is too high!
3. Pay attention to the housing area
Sometimes I look at the model room because the decoration effect will make the house look big! Therefore, if you look at the house and buy a blank, try to use the undecorated house as a reference!
4. Check the reputation of the developer.
How about searching this property directly on the Internet? Or look up and see if there is any rights protection post for this developer and property! Some even have video exposure. For example, you can search for the name of a property or developer in a search engine. Avoid buying a house of a black-hearted developer!
5. Look at five cards
Developers must have these five certificates to qualify for selling houses! Five certificates include: commercial housing sales (pre-sale) license; Construction permit for construction project; Construction project planning permit; Construction land planning permit; State-owned land use certificate.
What are the procedures for buying the first suite?
1, to determine the housing, first of all, collect the relevant information of each property through various channels, and through the websites of intermediary companies, real estate agents and other related media, because it is a full-scale housing, conduct an all-round evaluation of the house according to its own comprehensive situation and requirements. In the process of house inspection, you can identify it with more professional friends, which is more comprehensive than the housing factors considered by your own house inspection.
2. Submit the deposit. After the house is confirmed, go to the sales office to sign the purchase contract and submit the deposit. Before signing the contract, consult the lawyer about the problems that should be paid attention to in the contract. If you have the conditions, hire a real estate lawyer to handle it on your behalf, so as to ensure your own interests. Pay the purchase price in the way agreed in the contract for registration, and the buyer and the seller shall go to the real estate transaction management center for registration and pay taxes within a certain period of time. If you need to apply for a loan, you can start applying for a mortgage loan. Prepare the original and photocopy of the materials required by the bank, such as ID card, marriage certificate and income certificate. , and apply for a loan with the shopping industry as collateral.
3. After paying the final payment of the house purchase, the owner can inspect the house and then hand over the house after going to the developer to understand the relevant information such as the residential description. The real estate license is the owner's name. Pay the property management fee according to the regulations and go through the check-in formalities.