The first suite and the second suite are mainly down payment of 50%.
According to the announcement issued by the central bank, for households with/kloc-0 apartments and outstanding housing loans, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied houses, and the minimum down payment ratio will be reduced from not less than 60% to not less than 40%. However, the central bank stressed in the announcement that the specific down payment ratio and interest rate of commercial loans are reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
As soon as the New Deal was introduced, many commercial banks immediately made a commitment to adjust the minimum down payment ratio to not less than 40% in strict accordance with the requirements of the New Deal. However, in the specific implementation process, 50% of the down payment ratio of the second home loan in Beijing is the mainstream. According to the relevant person in charge of Jia Wei Anjie, a loan service agency, most banks in Beijing have uniformly implemented the down payment ratio of 50% for second homes, and the interest rate is still 10% higher than the benchmark interest rate. Yesterday, the account managers of Huaxia Bank, Postal Savings Bank, Hangzhou Bank and other bank outlets in Jianguomen Inner Street all said that the minimum down payment ratio for the second suite was 50%. Among the four major state-owned banks, ICBC has adjusted the minimum down payment ratio of the second suite to 50%, but the relevant person of the Bank of China Anzhenqiao Sub-branch said: "The down payment ratio of the second suite of the Bank of China is 70%." The policy of "increasing the minimum down payment for second homes from 60% to 70%" was promulgated by the central bank on the occasion of the tightening of Beijing's property market regulation in April 20 13.
However, there are exceptions. China Merchants Bank stipulates that the current minimum down payment ratio for the second suite is not less than 40%, and the interest rate is 1. 1 times the benchmark interest rate.
Second, the bottom line of interest rate concessions is 8.8 fold.
It is understood that the mainstream interest rate of the first suite in Beijing is still 10% off the benchmark interest rate, not 8.8% off the Internet. At the North Third Ring Sub-branch of China Merchants Bank, located in Block D of World Trade Center, the relevant staff said that the preferential interest rate can be 10% for commercial loans for individuals to purchase the first home. The staff of the Postal Savings Bank outlets introduced that the interest rate of the first suite of personal housing commercial loans is generally 10% off the benchmark interest rate. However, the account managers of a few commercial banks such as Huaxia Bank introduced that the interest rate of the first suite can be discounted to 8.8% of the benchmark interest rate. According to the survey, the 8.8% discount rate is almost the preferential bottom line of the interest rate of the first suite of commercial banks in Beijing.
Compared with the past, there was no discount when the regulation of the property market tightened, and now it can reach 8.8 fold of the benchmark interest rate, and the benefits that the first home buyers can enjoy are very considerable.
Third, Shanghai100,000 yuan can enjoy the first suite treatment.
It is understood that a state-owned bank Shanghai branch has further relaxed its mortgage policy. As long as the loan of the previous house is paid off, as long as the second suite customer is not a villa and the total price is below100000 yuan, it can be regarded as the first set and enjoy the first set of treatment.
Relevant people said that Shanghai's approach is not to relax the policy. As early as September 30 last year, the central bank and the China Banking Regulatory Commission jointly issued the "Notice on Further Improving Housing Financial Services", which loosened the identification of the second suite. Families who own a house and have settled the corresponding housing loan should enjoy the bank's first home loan policy in order to improve their living conditions. This time, this bank in Shanghai only relaxed the identification of "ordinary housing".