有料!又有银行确认!中山二手房“三价合一”要全面实行了

时间:2019-07-24 来源: 视听在线

根据方勋的说法,上个月中旬,中山有三个二手房,即民生银行,华夏银行和中信银行,确认了“三价一”政策的实施。大多数银行表示他们一个月没有收到通知。另一家银行跟进了!

就抵押贷款利率而言,本月方勋收集的20家银行中,共筹集了4个银行抵押贷款利率。其中,第一套交通银行增加5%;第二套有东亚,交通,投资和农村商人。银行上调2%-5%;

第一组低了5%。

7月份,中山首家贷款利率稳定。目前,第一套最低的5%是上海浦东发展银行;其余银行普遍上涨10%,上涨15%和20%。

就第二套住房贷款而言,最低利率比基准利率高10%。此外,本月工行和中国建设银行的第二套房上涨30%,成为7月份中山第二套房贷款的最高利率银行。

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确认:中国银行实行“三价融合”

中山有6家银行实施这项政策

关于中山的二手房是否完全实施“三合一”,方勋已经咨询了中山的20家银行,了解到华夏银行和中信银行去年实施了“三合一”二手房,民生银行和邮政。银行和中国银行也纷纷效仿,工行表示,一些分行已实施该政策。一些银行还回复说他们没有收到通知,如果发布相关政策,他们将严格按照官方要求进行跟进;

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At the same time, some bank staff told Fangxun that because the second-hand housing business is not a major business, the amount of the second-hand housing business may not be as good as the first-hand housing, and the approval time will be slower. It is worth mentioning that there are some parts about the second-hand housing business. The bank will provide preferential schemes to individual cooperative agencies. When applying for loans, you may wish to “multi-channel consultation” to obtain the lowest interest rate concessions.

Saving money can be invested in provident fund loans

Last month, the Zhongshan Housing Provident Fund issued a new policy, and the foreigners were able to buy a house with a provident fund loan, and they approved the loan. In addition, the amount of the CPF deposit was adjusted. At present, the monthly deposit limit for the employees has been raised to 4,470 yuan. For the relevant depositors, the monthly contribution or increase of the provident fund can be used to buy a house more money!

At the moment, using a provident fund loan to buy a house, the interest rate for more than 5 years is: 3.25% for the first suite, while the first set of commercial loan interest rates is 5.15% or more, and the minimum spread between the two is 1.9%;

If you use the interest rate of 3.25% of the provident fund and the interest rate of 5.15% of the commercial loan as the standard, buy the first set of housing, apply for a housing loan of 800,000, loan for 20 years, and the same amount of principal and interest loans, get a monthly provident fund of 4,537 yuan, commercial loan monthly supply 5,346 yuan, a difference of 809 yuan per month.

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In this way, the use of the provident fund can save at least 190,000, which is a significant amount for the family with income level in the midsole.

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