What is the interest rate of the first home loan in Qingdao? 202 1.

1. What is the interest rate of the first home loan in Qingdao? 202 1.

The loan interest rate of China People's Bank 202 1 can be divided into short-term loan interest rate, medium-and long-term loan interest rate and provident fund loan interest rate. The following specific analysis:

1. Short-term loan. The loan interest rate for six months (inclusive) to one year (inclusive) is 4.35%.

2. Medium and long-term loans. The loan interest rate for one year to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.

3. Provident fund loans. The loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

The loan interest rates of different banks will be different, but they are all adjusted on the benchmark interest rate of the central bank. Please refer to the actual transaction interest rate for details.

The conditions for Qingdao to purchase the first home loan are as follows:

1. The borrower has a fixed residence or valid residence status in Qingdao, and is a natural person with full capacity for civil conduct.

2. The borrower has its own funds in the proportion required by the loan bank, and guarantees to pay the down payment for the house purchase.

3. The borrower has a stable source of income and the ability to repay on time.

4. The borrower can provide a valid purchase contract or agreement.

5. The borrower can provide effective mortgage recognized by the loan bank.

6. Other necessary conditions required by the lending bank.

First, apply for a loan amount according to your ability.

When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

Second, choose a good loan bank for mortgage.

For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. The more services provided by mortgage banks, the more detailed they are. You will get flexible and diverse personal financial services, as well as a rich service and product portfolio. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.

Third, choose the repayment method that suits you.

At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability and want to repay a large amount of funds at the initial stage of repayment to reduce interest expenses.

Fourth, the information provided to the bank should be true.

To apply for commercial personal housing loans, banks generally require borrowers to provide proof of economic income. For individuals, the true personal occupation, position and recent economic income should be provided. Because if your income doesn't reach a certain level and you don't have enough ability to repay the loan, but you exaggerate your income level, you may default at the initial stage of repayment, and it is confirmed by the bank investigation that you have provided false certificates, which will greatly reduce the bank's trust in you and thus affect your loan application.

5. Provide my address accurately and promptly.

If the address provided by the borrower to the bank is accurate, the bank can contact it conveniently and receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, things to remind borrowers, when you move to a new house, you must inform the loan bank of your new contact address and contact information in time.

Six, determine the property owner should consider tax refund.

According to the relevant regulations of Shanghai, individuals who purchase commercial housing after June 1998 1 can enjoy personal income tax deduction. Since the object of deduction is only the property owner listed in the real estate license, it is necessary to carefully determine the property owner (purchaser) of the house purchased for each family.

Seven, monthly repayment on time, to avoid penalty interest.

For borrowers, before the agreed repayment date every month, they should pay attention to whether there are enough funds in their repayment accounts to avoid being punished by the bank for their negligence, and never lose money because of their negligence, and at the same time leave a bad credit record in the bank.

2. What is the interest rate of Qingdao provident fund loan to buy a new house?

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Starting today, Qingdao will adjust the interest rate of the first individual housing provident fund loan.

Regarding the interest rate of provident fund loans, the latest news came from the relevant departments. According to the latest decision of the People's Bank of China, starting from June 10, 2022, Qingdao lowered the interest rate of the first individual housing provident fund loan by 0. 15 percentage point, and adjusted the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1 respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively. It is reported that this is the first time in seven years to adjust the interest rate of provident fund loans. The upper limit of the first individual housing provident fund loan in Qingdao was adjusted in June this year. If the first family-occupied house is purchased within the administrative area of Qingdao, and the loan applicant and spouse meet the loan application conditions, the maximum amount of provident fund loan will be adjusted to 800,000 yuan; If the loan applicant only meets the loan application conditions, the maximum amount of provident fund loans will be adjusted to 500,000 yuan. If the husband and wife use the provident fund loan of 800,000 yuan and the matching principal and interest loan for 30 years, according to the newly implemented provident fund loan interest rate, the adjusted interest is 23,600 yuan less than that before the adjustment. In order to give full play to the role of housing provident fund in supporting rigid and improved housing demand, in September this year, the Municipal Provident Fund Management Center also launched the business of employees withdrawing housing provident fund to pay the down payment for house purchase. To purchase new commercial housing in the administrative area of Qingdao, you can apply for withdrawing the housing provident fund under the name of the purchaser and his spouse to pay the down payment for the purchase. At the same time, the scope of the above policies will be relaxed in stages. If a family (including employees themselves, spouses and minor children) purchased the first set of self-occupied housing from September 2022 to August 3, 2023, and applied for withdrawal of provident fund to pay the down payment, the scope of withdrawal will be broadened to the purchaser and his immediate family members (including spouses, parents and children). On September 30th, the Ministry of Finance and State Taxation Administration of The People's Republic of China issued.

4. What is the interest rate of Qingdao's portfolio loan provident fund?

1. What is the interest rate of Qingdao housing provident fund loan?

The loan interest rate of housing provident fund is related to the loan period. At present, the benchmark interest rate of individual housing provident fund loans is 2.75% for five years and below, and 3.25% for five years and above.

The housing provident fund loan interest rate shall be implemented according to the interest rate standard published by the People's Bank of China. In case of interest rate adjustment, if the contract term is 1 year, the contract interest rate will be implemented; if the contract term exceeds 1 year, the new interest rate standard will be implemented according to the corresponding interest rate grade from the next year of interest rate adjustment. Generally speaking, the benchmark interest rate is implemented for the first suite of housing provident fund loans in various places, and the loan interest rate is 1. 1 times of the benchmark interest rate for housing provident fund loans for the second house.