China Everbright Bank's first suite downgrade policy

Everbright Bank's downward adjustment policy for the first suite: the down payment ratio of the first suite is reduced to 30%, the mortgage interest rate is reduced to 4.2%, and the mortgage term can be up to 30 years.

On June 5438+February 65438+February 04, 2023, two key cities, Beijing and Shanghai, which can be called the "strongest weather vane" of the national property market, ushered in a new policy of heavy property market on the same day. According to the Notice on Adjusting and Optimizing Beijing's Ordinary Housing Standards and Individual Housing Loan Policies (hereinafter referred to as the Notice), the adjustment scope of this new policy includes the down payment ratio of house purchase, the loan period, the lower limit of mortgage interest rate policy and ordinary housing standards.

June 5438+February 65438+May 2023, ICBC, Bank of China, Bank of Communications, China Everbright Bank and many other banks have implemented the latest mortgage policy standards: the down payment ratio of the first suite has been reduced to 30%, the mortgage interest rate has been reduced to 4.2%, and the longest mortgage period can reach 30 years.

Matters needing attention in purchasing the first suite

1. Budget planning: determine your own house purchase budget, including house price, down payment and loan amount. At the same time, we should also consider other expenses, such as taxes, decoration and maintenance costs.

2. Regional Choice: Choose a residential area that suits you, and consider factors such as convenient transportation, supporting living facilities and future development potential.

3. Housing quality: carefully inspect the building quality, decoration and property management of the house to ensure that the purchased house meets its own needs and expectations.

4. Loan application: Understand the loan interest rates and conditions of different banks, choose the loan method that suits you, and prepare the required materials in advance.

5. Contract terms: Read the terms of the house purchase contract carefully, especially the delivery time, ownership of property rights, liability for breach of contract, etc. If necessary, you can ask professionals for legal advice.