From September 25, 2023, the borrower of the first commercial personal housing loan can apply to the loan financial institution, and the financial institution will issue a new loan to replace the first commercial personal housing loan. The interest rate level of new loans shall be determined by financial institutions and borrowers through independent consultation.
The increase rate of the loan market quotation (LPR) shall not be lower than the lower limit of the interest rate policy of the first commercial personal housing loan in the original lending city. The newly issued loans can only be used to repay the first set of commercial personal housing loans and are still included in the management of commercial personal housing loans.
The first set of stock housing related regulations:
2065438+On February 2, 2006, the central bank and the China Banking Regulatory Commission jointly announced that in cities that do not implement purchase restriction measures, households will purchase commercial personal housing loans for ordinary housing for the first time.
In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points. For families who buy a second home and have outstanding loans, the minimum down payment ratio is not less than 30%.
From August, 2065438 to August, 2009, the interest rate of multi-city mortgage in China was raised. According to the Shanghai Stock Exchange and the interface, many banks in Hangzhou implemented the first set of benchmarks to rise by 8% or 10%, while Nanjing, Qingdao, Suzhou, Hefei, Wuhan and Wuxi generally rose by 20% or even 30%. The cost of buying a house has increased greatly.