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"Inner Room": Guangdong Province, Huizhou, reduces the down payment ratio for personal housing provident fund loans for second-hand housing.
According to the Securities Times, the Housing Provident Fund Management Center of Huizhou City, Guangdong Province, issued the "Notice on Lowering the Down Payment Ratio of Second-hand Housing Personal Housing Provident Fund Loans", which stipulates that the entire loan amount for purchasing self-occupied housing in Huizhou's stock housing (second-hand housing) shall not exceed 70% of the mortgage value, up from 60% before. That is to say, the down payment ratio for purchasing second-hand houses in Huizhou City has been lowered from not less than 40% of the mortgage value to not less than 30% of the mortgage value. In other words, the minimum down payment ratio for personal housing provident fund loans for second-hand houses has been lowered from 40% to 30%.
The three-year deposit rate in Beijing and Shanghai has been lowered. Is Bank of Communications the first of the major banks to do so? Truth: there has been no movement in the Guangdong-Hong Kong region, or it may be a regional adjustment.
After the July LPR quote reduction, the market expects the deposit interest rate to be lowered, but state-owned banks have not yet adjusted the deposit list interest rate.
Daily summary of real estate industry news (2024-07-24)
It was reported that some banks in Shanghai have started to lower their mortgage interest rates. The interest rate for the first home loan has been reduced to 3.4%, and the interest rate for the second home loan is as low as 3.6%. "The latest mortgage interest rates have started to be implemented now. The first home loan interest rate is 3.4%; As for the second home loan, the mortgage rate in the urban area is 3.8%, and the mortgage rate in the Free Trade Zone Lingang New Area, Jiading, Qingpu, Songjiang, Fengxian, Baoshan, and Jinshan districts is 3.6%."
First-home mortgage rates have fallen again! Some banks in Shanghai have reduced them to 3.4%. Will the down payment on existing mortgage rates also be reduced?
The latest interest rates for first-time home loans have landed in Shanghai. Experts believe that the LPR quote still has some room for a downward adjustment in the fourth quarter depending on the economic and price performance. Industry insiders believe that the difference between the current new house loan interest rate and the previous existing house loan interest rate is gradually increasing, and the interest rate of existing house loans may also follow suit and decrease.
Express News | Several banks in Peking have quickly lowered their mortgage rates. The interest rate for Peking's first home mortgage has dropped to 3.4%.
Express News | Some banks in Shanghai have quickly lowered their first-home mortgage interest rates to 3.4%.
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