What discount can I enjoy for the loan of the first suite below 90 square meters? What is the interest rate?

According to the national regulations, families can enjoy a minimum of 30% reduction in the benchmark interest rate when they use loans to purchase the first home, that is, the interest rate is 30% off.

I. Commercial loans

Taking a family as a unit, if it is the first time to buy a house, you can borrow 70% of the appraised price of the house (the appraised price is generally lower than the market price). For example, the market price of the first house is 2 million, and the appraised price is 6,543.8+0.8 million, so the maximum loan is 70% of 6,543.8+0.8 million, that is, 6,543.8+0.26 million, and the remaining house price is 2 million-6,543.8+0.26 million = 740,000 as the down payment, and the interest rate is discounted (the benchmark interest rate is 85%).

Note: commercial loans recognize both houses and loans: it depends on whether there is real estate under the family name and whether there is a loan record before. Even if the property has been sold, or the mortgage has been paid off, it should be recorded (for example, the residential property has been sold; Or once had a residential property, and had a loan, and the loan has been paid off, the house has been sold to others, and now there is no house under its name, which is counted as a record. Buying a house through a commercial loan counts as two sets).

Second, provident fund loans.

Taking the family as a unit, if it is the first time to buy a house, you can borrow 80% of the appraised price of the house (within 90 square meters, 70% of the loan over 90 square meters).

Note: If the provident fund is not rated, you can only borrow 800,000 yuan at most, but it depends on the amount and proportion of your provident fund deposit.

Calculation method of down payment for the first suite:

Down payment = total house price-customer loan amount

Loan amount = contract price (market price) ×80% (up to 80% for the first loan)

Generally speaking, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new housing is 30%, the down payment ratio of provident fund loans for the first suite below 90㎡ (inclusive) shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90㎡ shall not be less than 30%.