The average interest rate of the second home loan in Shanghai is 5.37%.
Shanghai second suite identification standard:
1. Loan to buy a set, the house registration system can find the property, and you can buy a second set again; I bought a set with a loan. After I sold the house, I couldn't find the real estate, but the loan record can be found in the bank credit information system. There are two sets of loans to buy a house.
I bought the house in full. House registration can't be found after sale. Buying a house with a loan is not a second house; I bought the house in full. The house registration system can be found. Buying a house with a loan is the second set.
3. If the buyer does not have the conditions for housing registration and inquiry, after investigation and verification by the bank, the buyer already has a house, and then buying a house is the second set.
Parents buying a house in the name of minor children is the second suite. Property under the name of minors, adults buy a house is a second suite.
5. I have purchased the house in full under my own name, and then borrowed to buy the second suite; There is a loan to buy a house under the name of the individual, and then the loan to buy a house is the second suite after the sale.
6. Buy a house with a commercial loan for the first time and a house with a provident fund loan for the second time.
7. One party borrows money to buy a house before marriage and applies for a loan to buy a house in the name of the other party after marriage, but the accounts are not counted as two suites together; After marriage, both parties borrow money to buy a house, and after divorce, one party applies for a loan to buy a house, which counts as a second suite.
8. If the per capita family area is less than 33.4 square meters, buying a second house is an improved house, not a second house. On the contrary, if the per capita area is more than 33.4 square meters, buying a house is considered as a second suite.
Mortgage interest rate of shops
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With the rise of housing prices, the state has adopted corresponding policies to curb real estate speculation. With the improvement of consumption level, the rent of shops is also rising. Many people see business opportunities and want to make money by investing in shops, but the prices of shops are often high. What's the interest rate for buying a shop loan? Let's take a look at the following article by Bian Xiao.
1. What is the loan interest rate for buying a store?
1. Shops can only be bought by commercial loans. The loan interest rate of shops is 10% higher than the benchmark interest rate. The benchmark interest rate for loans over five years is 4.9%, and the loan interest rate for shops is 4.9% 1. 1 = 5.35%.
2. There are two kinds of short-term: within six months, including six months, the annual interest rate is 5.6%, and the commercial loan interest rate of shops is 6.16%; The annual interest rate for more than six months and less than one year is 6%, and the commercial loan interest rate for shops is 6.6%;
3. There are three types of medium and long-term loans: one to three years, of which the annual interest rate is 6. 15% and the commercial loan interest rate of shops is 6.765%; Three to five years, including five years, the annual interest rate is 6.4%, and the commercial loan interest rate of shops is 7.04%; The annual interest rate for more than five years is 6.55%, and the commercial loan interest rate for shops is 7.205%.
Shanghai first home commercial loan interest rate 2022
From March 2020 1, the upper limit of commercial loan interest rate for the first home in Shanghai is 7.00%, the lower limit is 4.85%, and the upper limit of preferential interest rate is 30%, and the lower limit is 15%. According to relevant information, the upper limit of the interest rate of the first home commercial loan in Shanghai is 7.00%, and the lower limit is 4.85%. The interest rate in 2022 will change according to market changes.
Shanghai mortgage interest rate
4.65% or 5.7%
The interest rate of 202 1 Shanghai mortgage is 4.65% or 5.7%, because the New Deal stipulates that the interest rate of the first home loan in Shanghai will be adjusted from the previous 4.65% to 5%, and the interest rate of the second home loan will be raised from 5.25% to 5.7%. The new regulations will be implemented on July 24th, 20021year.
1. Annual interest rate of commercial loans within one year: 4.350%.
2. Annual interest rate of commercial loans for one to five years: 4.750%.
3. The annual interest rate of commercial loans over five years: 4.900%.
4. Annual interest rate of provident fund loans for less than five years: 2.750%.
5. Annual interest rate of provident fund loans for more than five years: 3.250%. 4.65% or 5.7%
The interest rate of 202 1 Shanghai mortgage is 4.65% or 5.7%, because the New Deal stipulates that the interest rate of the first home loan in Shanghai will be adjusted from the previous 4.65% to 5%, and the interest rate of the second home loan will be raised from 5.25% to 5.7%. The new regulations will be implemented on July 24th, 20021year.
1. Annual interest rate of commercial loans within one year: 4.350%.
2. Annual interest rate of commercial loans for one to five years: 4.750%.
3. The annual interest rate of commercial loans over five years: 4.900%.
4. Annual interest rate of provident fund loans for less than five years: 2.750%.
5. Annual interest rate of provident fund loans for more than five years: 3.250%.
Shanghai commercial loan interest rate 202 1
202 1, Shanghai commercial loan interest rate fluctuates on the benchmark interest rate of the central bank. The benchmark interest rate of commercial loans of China People's Bank is as follows:
1. Short-term loan: within six months (inclusive), the interest rate is 4.35%; The interest rate for six months to one year (inclusive) is 4.350%.
2. Medium and long-term loans: the interest rate for one to three years (inclusive) is 4.75%; The interest rate for three to five years (inclusive) is 4.75%; The interest rate for more than five years is 4.9%.
According to the benchmark loan interest rate of China People's Bank, the interest rates of commercial loans in each period are as follows:
Within one year (including one year), the interest rate is 3.85%;
For one year to five years (including five years), the interest rate is 4.65%;
For more than five years, the interest rate is 4.65%.
If the term of the provident fund loan is less than five years (including five years), the interest rate is 2.75%; If the term exceeds five years, the interest rate is 3.25%.
On this basis, commercial banks will fluctuate up and down, depending on the data published by banks.
How to apply for a bank loan with low interest rate?
First of all, it is best to keep the capital flow and asset certificate in the loan bank. As a high-quality customer of the bank, it can bring good income to the bank, so the bank will be more popular.
Secondly, when submitting the loan information, show your financial resources as much as possible, such as real estate, vehicles and financial investment in my name.
In addition, loans with collateral are often lower than loans without collateral, and collateral can be provided to banks within their capabilities.
Finally, if you can apply for a provident fund loan interest rate, you can apply for a provident fund loan first. After all, the interest rate of provident fund loans is significantly lower than that of commercial loans.
1. What are our advantages?
We focus on loan consulting services, and the main market is Shanghai. For ordinary customers, it is very important to find the one that suits them best in the face of a wide variety of loan products in the market and complex institutions with different interests and conditions. It is best to find a professional loan service organization to get a loan quickly and conveniently! We have always been adhering to the concept that there is no best loan, only the most suitable loan. Try your best to help every customer choose the right loan product to escort.
What is the loan interest rate for facade houses?
Nowadays, when buying real estate, most people apply for loans to relieve the pressure. Under normal circumstances, the loan interest rate of facade houses will fluctuate occasionally according to the regulations of the People's Bank of China in the same period, and the specific interest rate will also be subject to the relevant banks. The following small series will introduce the loan interest rate of the next facade room for your reference!
1. What is the loan interest rate for the facade house?
Now the People's Bank of China has promulgated the benchmark annual interest rate for loans: 0 to 6 months (including 6 months), with an annual interest rate of 4.35%; 6 months to 1 year (inclusive), with an annual interest rate of 4.35%; 1 to 3 years (including 3 years), with an annual interest rate of 4.75%; 3 to 5 years (including 5 years), with an annual interest rate of 4.75%; 5 to 30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate should be combined with the comprehensive pricing of the business category, credit status and guarantee method applied by the buyers, and can only be decided after the evaluation of the outlets.
2. What are the procedures for buying a facade loan?
1. Identity documents of husband and wife, household registration book, marriage certificate, permanent residence certificate issued by neighborhood committee or administrative department, business certificate, rental agreement, house purchase contract, personal bank account, asset certificate, etc. They should be prepared in advance, and they should go to the local bank for loan consultation. (For loans guaranteed by guarantee institutions, the bank's assessment is more relaxed, and the loan amount may be higher, but it is necessary to pay more guarantee fees.
2. Bank evaluation: Banks will investigate the reliability of documents provided by buyers and sellers, and some banks will also check whether the bank flow provided by buyers is conclusive, and banks will control according to their respective lending quotas. If the amount of bank loans is small, it is more difficult to review, and the loan approval time in the first half of each year is relatively faster than that in the second half.
The bank will inform you when the loan is approved, and it can be processed within 2 working days. In principle, commercial housing mortgage loans can be handled, and the service life is 10 years. Usually, the loan amount does not exceed 50% of the evaluation price, and the loan interest rate rises. At present, the bank's credit is relatively shrinking, which improves the conditions of loan customers.
Summary: The above is the related content about the loan interest rate of facade houses introduced by Bian Xiao, hoping to bring help to everyone. In doing business in life, it is important to have a facade and a shop, but now the facade price in a better location is very high, not lower than the house price.
This is the end of the introduction of Shanghai store loan interest rate and Shanghai store loan. I wonder if you found the information you need from it?