What is the interest rate of the first home loan in Guangzhou?

It is understood that many banks in Guangzhou recently lowered the mortgage interest rate by 5- 10 percentage point. However, in view of the fact that the mortgage interest rate in Guangzhou has risen above the benchmark interest rate 10%-20% before, it is still above the benchmark interest rate despite the correction.

List of benchmark interest rates for central bank loans

Project annual interest rate%

I. Short-term loans

Annual interest rate within one year (including one year): 4.35%

Second, medium and long-term loans

Annual interest rate for one to five years (including five years): 4.75

Annual interest rate for more than five years: 4.90

Three, personal housing provident fund loans

Annual interest rate for five years or less: 2.75.

Annual interest rate for more than five years: 3.25

At present, among the first-tier banking companies in Guangzhou 17, the interest rate of the first home loan has risen by 5%- 10%, which has become the mainstream. Among them, the interest rates of the first home loans of the three banks were raised by 5% or 5.5%. For example, the interest rate of ICBC's first home loan was lowered from 10% to 5%, and that of BOC's first home loan was lowered from 10% to 5.5%. In addition, the first home loan interest rates of China Merchants Bank, Rural Commercial Bank and Industrial Bank have also been lowered. As for the interest rate of the second home loan, most banks have also lowered the interest rate of the second home loan. At present, they mainly implement floating 10%- 15%.

As for the lending time, perhaps at the beginning of the year, many banks will be able to supply sufficient funds. At present, the loan review speed is relatively fast, and the loan can be released in about one month. There are also some banks that have complete procedures and can lend money in 7 days.

At present, the first suite in Guangzhou still recognizes housing and loans. 30% down payment for the first home loan. The first way to identify real estate is that the real estate information is not displayed in the family search list listed by the State Land and Housing Management Bureau where the household registration is located, or the bank credit information system does not display the residential loan record.