Now the price of a house is generally the savings of a family for many years, so many people do not choose to buy the house with full money. They usually buy the house through bank loans. Since it is a loan, there must be a loan interest rate, Next, let's learn about the loan interest rate of personal first house and the recognition standard of first house.
First house loan interest rate
1. In April 2018, the average interest rate of the national first house loan was 5.56%, equivalent to 1.135 times the benchmark interest rate, an increase of 0.91% month on month compared with March, and an increase of 23.01% compared with the average interest rate of the first house loan in April last year. It is noteworthy that since January 2017, the average interest rate of the first house in China has increased for 16 consecutive months.
2. Among 533 banks in 35 cities across the country, 76 bank branches (branches) have increased the first house loan interest rate, accounting for 14.26%, and 26 bank branches (branches) have suspended accepting the first house loan business.
3. In April this year, the average interest rate of the bank's first house loan was 1.088 times the benchmark; The highest average interest rate of the bank's first house loan is 1.196 times of the benchmark; The average interest rates of first home loans of ICBC 3, Agricultural Bank of China, Bank of China and China Construction Bank have risen 12% above the benchmark interest rate.
4. The interest rate of the first house loan is increased from 4.9% of the original benchmark interest rate to 5.39% of 1.1 times. If the loan is 1 million yuan and the term is 25 years, the monthly supply is increased from 5787.8 yuan to 6075.4 yuan. Compared with the 85% discount before the new deal of 317 real estate market, the monthly supply increased by 1202.7 yuan.
5. For buyers, the most direct impact of the rise of mortgage interest rate is the increase of house purchase cost. Taking Beijing as an example, ICBC, China Construction Bank, Bank of China and Agricultural Bank of China collectively raised the loan interest rate of the first house in Beijing to 1.1 times the benchmark interest rate of the central bank, and the second house is still subject to a 20% rise in the benchmark interest rate.
Identification standard of first house
1. Loan to buy a suite, commercial loans have been settled, and then loan to buy a house is the first set.
2. I bought a house with a loan and then sold it. I can't find the real estate through the housing registration system, but I can find the loan record in the bank credit investigation system, and then I can buy a house with a loan.
3. I bought a suite in full, and the loan is the first one.
4. I bought a suite in full and then sold it. The house registration system can't find the real estate. Buying a house with a loan is the first set.
5. The commercial loan records of two suites under an individual's name have all been paid off, and the proof of the sale of two suites can be provided at the same time. In this case, it is the first set when the loan is refinanced.
6. A commercial loan has been paid off for one suite under the personal name, and the other is that the provident fund loan has been sold. At the same time, it is the first set to apply for a commercial loan to buy a house.
7. One of the husband and wife uses a commercial loan to buy a house before marriage, and the other uses a provident fund loan to buy a house before marriage. After marriage, the two want to make a joint loan in the name of the husband and wife. If the loan has been repaid to the banking financial institution, they can flexibly grasp the loan interest rate and down payment ratio according to the borrower's solvency, credit status and other specific factors.
8. One of the husband and wife has a house before marriage, but has no loan record. The other has a loan record before marriage, but has no real estate under his name. Applying for a loan to buy a house after marriage is the first set