Mua nhà ở xã hội lãi suất ưu đãi 4,8% một năm

Thủ tướng Nguyễn Xuân Phúc vừa ký quyết định về lãi suất cho vay ưu đãi nhà ở xã hội tại Ngân hàng Chính sách xã hội. Theo đó, người vay mua nhà ở xã hội được hưởng mức lãi suất ưu đãi 4,8% một năm, tương đương 0,4% một tháng.

Xem thêm: dự án mới nhất ở Vĩnh Yên

lai suat mua nha moi nhat

Mức lãi vay tại Ngân hàng Chính sách thấp hơn 0,2% một năm so với tại các nhà băng thương mại. Tuy nhiên, nếu nợ quá hạn, người vay mua nhà sẽ phải trả mức lãi bằng 130% lãi suất khi vay.

Thủ tướng yêu cầu Ngân hàng Chính sách xã hội hàng năm phải thực hiện sơ kết, đánh giá, cũng như kiến nghị điều chỉnh lãi suất cho phù hợp.

Theo Nghị định 100, người mua, thuê nhà ở xã hội sẽ được vay tối đa 80% giá trị hợp đồng mua, thuê, thuê mua nhà ở xã hội. Trường hợp xây dựng mới hoặc cải tạo, sửa chữa nhà ở thì mức vốn cho vay tối đa bằng 70% giá trị dự toán hoặc phương án vay và không vượt quá 70% giá trị tài sản bảo đảm tiền vay.

Thời hạn cho vay tối thiểu là 15 năm từ ngày giải ngân khoản vay đầu tiên. Trường hợp khách hàng muốn vay thời hạn ngắn hơn có thể thỏa thuận với ngân hàng.

Người mua, thuê mua nhà ở xã hội không được phép thế chấp và không được chuyển nhượng nhà ở dưới mọi hình thức trong thời gian tối thiểu là 5 năm và chỉ được bán lại, cho thuê sau khi được cấp Giấy chứng nhận quyền sử dụng đất, quyền sở hữu nhà ở và tài sản khác gắn liền với đất.

Theo: vnexpress.net

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