Public and loan heating up two suites can be 30% down payment

Now the net News "buy two suites now, business loans is down payment 50%, Provident Fund only down payment 30%, the use of Provident Fund loans is really more cost-effective."　　Yesterday, Mr. Li, who lives in the castle Peak, said he was a buyer of "improved property" who bought a house on central North Road last week with a 20% per cent down payment and a much lower interest rate.　　According to the Statistics of China Index Institute, after the implementation of the New deal, the Jiangcheng property market to choose Provident Fund loans, the proportion of home buyers increased significantly, and the choice of commercial loans to buy a housing ratio is significantly lower. Reporter found that with two sets of mortgage payment to 50%, interest rate floating, three suites to the ceiling loans, loans and other loans to the strict implementation of the new deal, more than a suite of home buyers to apply for commercial loans not only more difficult to approve, but also the cost of interest rates increased, so the choice of interest rates　　Down-payment requirements are more numerous than those with low business loans. Industry insiders calculate a sum, to 500,000 yuan loans as an example, according to the past 30% of the interest rate calculation, commercial loans than Provident fund loans per million yuan to pay more than the interest of about 1 yuan, the gap is not big.　　But after the new deal, there are few first-time home loans that can do 30% lower interest rates.　　If the rate of 15% on the float, commercial loans than Provident Fund loan interest rate per million to pay more than 6 yuan interest, 500,000 yuan loans to more than 300 yuan per month interest, if the lower 20% of the interest rate calculation, business loans than Provident Fund loan per million to pay more than 4 yuan of interest, 500,000 yuan loans to more than 200 yuan per month interest. "If it is the first suite and it is less than 90 square meters, consider choosing a commercial loan." "Industrial Bank East Lake branch of the Department of Credit manager Discipline said, if the purchase of less than 90 square meters of the first suite, some bank business loans can also enjoy a 15%-25% interest rate discount, calculated from the commercial and loan interest rate and Provident Fund loan interest rate difference is not; if you buy a second suite, you can use the Provident Fund loan as much as possible,　　If exceed the Provident Fund quota, may choose the combination loan, but the operation will be more troublesome. Furthermore, it is proposed that the first use of commercial loans and Provident Fund loans should be used when the scheme is planned for future buyers.　　If the previous set of Provident Fund loans have been paid off, you can continue to apply for Provident Fund loans, such as expected to be able to pay off the first suite of loans, two suites are using Provident Fund loans is the best choice. (Zhang Lei, Changjiang Business daily)