What is the interest rate of Hengshui 20 19 first home loan? This year has changed!

For small partners who want to buy a house, they need to pay attention to the 20 19 first home loan interest rate. After all, interest rates are related to the cost of repayment in the next few decades, so it is very important to know in advance.

First, the first suite identification standard

According to the current rules, three conditions need to be met: the age of the house 18 years or more, the house is an ordinary house of 90 square meters or less (the ordinary house of 90 square meters or less enjoys the preferential deed tax rate 1%), and there is no house purchased alone or with others under the name of the purchaser.

Second, 20 19 Hengshui first home loan interest rate

The regulation effect of Hebei real estate market is obvious. The growth rate of real estate loans slowed down year-on-year. The growth rate of entrusted real estate loans dropped significantly, and the growth rate of personal housing loans and real estate development loans dropped. Newly-built individual housing is less than 144 square meters, and the first suite is the main one. From the incremental point of view, Langfang, Shijiazhuang and Baoding are still the areas where real estate loans are concentrated in the province.

The interest rate of bank mortgage in Hebei Province generally rises by 5%- 10% for the first set and 20% for the second set. At the specific implementation level, banks will be slightly different according to the credit line and customer risk.

Third, the impact of the first home interest rate increase.

1, buyers have to pay more interest, the monthly supply increases, and the economic pressure increases;

2. The expected income of the bank will increase, and more money can be recovered at the same time;

3. Low-income groups will carefully calculate whether the monthly family income can support the monthly supply and postpone the plan to buy a house;

All in all, now that the country is tightening mortgage loans, the bank's practice of raising the interest rate of the first home loan obviously violates the will of the country to curb real estate speculators. What is really hurt is the buyers who just need it.