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Xiamen off third suite of mortgage policies to maintain the current minimum base rate

starting from October last year, banks "and admitted credit denied room" policy, that is, excluding housing units after the mortgage closing, first implementation benchmark interest rates, two suites are in the benchmark interest rate floating 10%. After the abolition of housing purchases, and basic maintenance of the existing housing policy.

after you cancel the purchase, in a Bank, for example, has the following three main types of mortgage:

first, the loan to buy a first home, down payment minimum 30%, loan interest rate lowest benchmark interest rates will be.

Secondly, loans to buy second homes in three ways: 1. the family name only 1 housing with no mortgage or mortgage has been cleared, lowest down payment 30%, loan interest rates as the benchmark interest rate. 2. family name only 1 set of housing, and the corresponding mortgage outstanding, if the amount of the mortgage House located in Xiamen, lowest down payment 70%, loan interest rates as the benchmark interest rate of 1.1 times. 3. family name only 1 set of housing, and the corresponding mortgage outstanding, if the amount of the mortgage House for off-site property (Xiamen-free House), lowest down payment 60%, loan interest rates as the benchmark interest rate of 1.1 times.

third, loan purchase third sets and the above housing and points three species situation: 1. family name has 2 sets or above housing, and no mortgage or mortgage has settled, down payment proportion minimum 30%, loan interest rate minimum for benchmark interest rate; 2. family name has 2 sets or above housing, but has a pen mortgage not settled, down payment proportion minimum 70%, loan interest rate minimum for benchmark interest rate 1.1 times times; 3. family name has 2 sets or above housing, and has two pen mortgage not settled, not accepted.

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