Xiamen, a number of bank loans to adjust the minimum down payment 30% autobots

Xiamen, a number of banks to adjust the minimum mortgage down payment 30% in October 5th, after the introduction of the new deal, the Xiamen property market, the specific personal loans will be adjusted, causing the attention of prospective buyers. Yesterday, the Herald reporter learned from a number of banks, adjustment rules of personal loans released. The main change is the first mortgage Shoufu ratio, for no mortgage record, no matter whether the purchase of ordinary residential housing, the minimum down payment of 30%. In addition, although the majority of the bank’s mortgage interest rates have not yet changed, but there are also individual bank fine-tuning. The first mortgage payment adjustment provisions in the October 5th new deal involving commercial loans for the purchase of the family for the first time, loans to purchase ordinary commodity housing, the first payment of not less than 30%; there is a housing loan outstanding for the purchase of family name, and then apply for loans to purchase ordinary commodity housing, the first payment is not less than 60%, and then apply for a loan to the purchase of non ordinary commodity housing, the first payment of not less than 70%. However, for the first time loans to buy luxury down payment ratio, as well as the mortgage record has been settled down payment ratio of how to calculate, you need to determine the relevant supporting details. Yesterday, the details were released. The Herald reporter from a number of banks in the information display, the main contents are: adjusting for no mortgage record, no matter whether the purchase of ordinary residential housing, the minimum down payment of 30% (originally housing 25%), if the non ordinary residential is the implementation of the minimum 35% down payment (originally housing 30%); a 1 mortgage loans have been settled and record the corresponding real buyers, no matter the name has no housing, the purchase of ordinary residential Shoufu ratio increased to 35% (up from 30%), the purchase of non ordinary residential Shoufu ratio increased to 45% (up from 40%). The change of the adjustment is mainly the first mortgage Shoufu into several. In addition, ordinary residential and commonly known as the luxury of non ordinary residential, down payment is also a difference. Currently, the definition of ordinary residential standards, residential construction volume rate of 1 or more, a single set of construction area of less than 144 square meters (including 144 square meters) of housing. It is reported that the timing of the adjustment is October 9th, the residential transaction point before the implementation of the old policy. Down payment for the first month after the adjustment, many prospective home buyers to prepare more than the first payment. However, because the loan is less, the monthly contribution and interest can save some. If the purchase of a set of 3 million yuan of ordinary residential, no housing before and after the adjustment of the minimum down payment was $750 thousand, $900 thousand. According to the mortgage interest rate of 10 percent off, the loan for 20 years, the monthly contribution was $14125.53, $13183.83, a decrease of 941.7 yuan. Most of the lowest interest rate adjustment rules 10 percent off released yesterday, did not change rules about interest rates, 1 outstanding loans, the interest rate of not less than 1.1 times the benchmark rate, 2 outstanding loans, suspend loans. At present, the first mortgage interest rates, the mainstream of the market for a minimum of 10 percent off, the annual interest rate of 4.41%. China yesterday相关的主题文章: