Take the Bank of Chongqing as an example. In 2020, the first home loan interest rate of the Bank of Chongqing is related to the type of loan. If it is a commercial loan, the loan interest rate is generally 10%-15% higher than the commercial loan benchmark interest rate. If it is a provident fund loan, the loan will be loaned within one to five years.

The interest rate is 2.75%; the interest rate for loans over five years is 3.25%.

The base interest rates are as follows: 1. Commercial loans 1. The interest rate for loans within one year is 4.35%; 2. The interest rate for loans within one to five years is 4.75%; 3. The interest rate for loans over five years is 4.90%.

2. Provident Fund Loans: 1. The interest rate for loans within one to five years is 2.75%; 2. The interest rate for loans over five years is 3.25%.

Many banks in Chongqing have raised their first-home loan interest rates. Postal Savings Bank of China has raised its first-home loan interest rates to a maximum of 30%; Bank of China, Bank of Chongqing, Shanghai Pudong Development Bank, and China CITIC Bank have raised their first-home loan interest rates to 15%, and Bank of Communications

The down payment ratio for first home loans is 20%; some banks including Bank of Chongqing, Industrial and Commercial Bank of China, and China Merchants Bank have increased the down payment ratio for first home loans from 30% to 40%. Among them, the down payment ratio for first home loans at Bank of Chongqing and China CITIC Bank is 40%.

Bank of China and Bank of Communications remain at 30%.

Regarding whether personal credit reporting will affect the purchase of a house with a personal loan, some banks said that it will not affect the situation if the situation is minor; CITIC Bank Chongqing Yangjiaping Branch stated that the branch currently requires a down payment of 30% for first-hand housing loans, and the interest rate will increase by 15%.

%; the down payment ratio for a second home loan is 40%. For credit problems, if there are two accidental, discontinuous, and small overdue payments within 24 periods, the loan will not be affected.

And the branch still accepts second-hand housing mortgage business.

A staff member of China Merchants Bank's loan department said that China Merchants Bank's first-time home loan interest rate is 4.9%, and the floating interest rate will be determined based on the cooperation between the bank and the real estate developer. If the credit report is overdue twice, you can get a loan.