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2023个人住房贷款利率下限是多少？具体流程是什么

2023个人住房贷款利率下限是多少？具体流程是什么

浏览：60次 | 提问时间： 07-16 08:34

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海绵宝宝说带我遨游世界 07-16 08:35

商业贷款5年以上为7.83%,商业性个人住房贷款利率的下限是为贷款基准利率的0.7倍;最低首付款比例为20%，金融机构对客户的贷款利率、首付款比例，应根据借款人是首次购房或非首次购房、自住房或非自住房、套型建筑面积等是否系普通住房，以及借款人信用记录和还款能力等风险因素在下限以上区别确定。五年期以下(含)的为4.05%，五年期以上为4.59%。

い孤獨 07-16 08:43

苏州商品房贷款利率目前是：
1.六个月以内（含6个月）贷款4.60%六个月至一年（含1年）贷款4.60%一至三年（含3年）贷款5.00%；
2.个人住房贷款利率的下限扩大为贷款基准利率的0.7倍；最低首付款比例调整为20%。

像做梦一样 07-16 08:51

贷款期限、银行、地区的不同，利率也不同，围绕基准利率波动，具体咨询当地银行。商业贷款利率（commercialloanrate)是银行发放企业或者个人贷款时收取的利率。从2005年3月17日起，自营性个人住房贷款利率改按商业性贷款利率执行，上限放开，实行下限管理，下限利率水平为相应期限档次贷款基准利率的0.9倍。

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2023个人住房贷款利率下限是多少？具体流程是什么

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