When Ji'nan's first home loan interest rate is expected to decline, is it still waiting?
Hohhot, Wuxi, Tianjin... Since June, more than ten cities across the country have been exposed to restrictions on purchase. Many people in the industry believe that the relaxation of restriction on property has little impact on real estate, and the loosening of mortgage loans is more destructive.
is there any possibility of loosening the loan of Ji'nan's house? On the 8 day, a reporter visited a number of resident banks to understand that the housing loan market in our city was still tightened, and some first suite even had the same interest rate as the two suite, and many banks floated 5% - 10% on the base rate on the basis of the benchmark interest rate. However, people in the industry analyzed that the loan interest rate of Ji'nan's first suite is expected to be lowered by the relevant national policies.
the evolution of the housing loan policy in recent years
2006
June 1st, the proportion of the first payment for individual housing mortgage loans shall not be less than 30%, and the first payment under the housing and the building area of 90 square meters is 20%.
in September 2007, the use of loans to buy housing and to apply for the purchase of second sets of or more housing, the proportion of the first payment shall not be less than 40%, the interest rate should not be less than 1.1 times the same level of the same class benchmark interest rate in the same period of the central bank.
2008
2009
in January 2010, the family with a loan of two suites should not pay less than 50%, and the interest rate should not be less than 1.1 times the benchmark interest rate. Purchase of 90 square meters above the first suite of the first payment ratio must not be less than 30%. In April, commercial banks can suspend the purchase of third or more housing loans according to the risk conditions in areas where commodity housing prices are too high, too fast and supply tight.
in January 26, 2011, the ratio of down payment to households with loans to purchase two suites is no less than 60%, and the interest rate is no less than 1.1 times of the benchmark interest rate.
2014