What's the difference between the first set and the second set in Shunyi, Beijing? What's the difference between the loan amount and the interest rate in the bank?

Hello, the loan amount and proportion of the first and second houses in Beijing are different.

When buying a house for the first time, ordinary housing can get a loan of 65% of the appraised value, and non-ordinary housing can get a loan of 60% of the appraised value, and the loan interest rate will rise by 5%- 10% (the benchmark interest rate for more than five years is 4.9%).

When buying a house for the second time, ordinary houses can get 40% of the evaluation value, non-ordinary houses can get 20% of the evaluation value, and the loan interest rate will rise by 20%.

The standard for identifying ordinary and unusual houses is 1. The area is below 140 square meters (including 140), and the floor area ratio is above 1.0 (including 1.0). The unit price in the Fifth Ring Road does not exceed 39,600 yuan, the total price does not exceed 4.68 million yuan, and the unit price in the Fifth Ring Road to the Sixth Ring Road does not exceed. Only when the above three points are met at the same time can it be regarded as an ordinary house, and vice versa.