1. China Construction Bank: the first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.35% (LPR170bp);
2. ICBC: the first set of interest rates is 5.9%(LPR 125BP) and the second set of interest rates is 6.1%(LPR145 BP);
3. Agricultural Bank: the first set of interest rates is 5.8%(LPR 1 15BP) and the second set of interest rates is 5.95% (LPR130bp);
4. Bank of China: The first interest rate is 6.35%(LPR 170BP) and the second interest rate is 6.5%(LPR 150BP).
The above is the relevant content of the list of bank mortgage interest rates in 2022.
Mortgage repayment method
1, average capital: average capital. With the increase of repayment period, the burden is gradually reduced, which means that the pressure is getting smaller and smaller. The average capital is allocated to the middle of each month, and the interest rate between the last repayment date and the current repayment date is paid. The total interest rate repaid under the same conditions is lower than the equal principal and interest;
2. Matching principal and interest: add up the total loan assets and the interest rate, and then distribute it evenly to the monthly repayment period, with a fixed monthly amount;
3. One-time repayment of principal and interest: on the due repayment date of the loan, all interest rates and assets can be repaid monthly or quarterly to ease the repayment pressure;
4. prepayment: mortgage loans are allowed to be settled in advance, but it depends on the agreement in the loan contract. Every bank is different. For example, the bank will stipulate early repayment within one year, and it should pay liquidated damages.
How to apply for deferred repayment of mortgage?
After mortgage, if the repayment period cannot be extended, you can call the customer service hotline of the loan agent bank, switch to the manual service channel, apply to the customer service staff for deferred repayment, and then submit an application for deferred repayment to the bank, explaining the reasons for applying for deferred repayment. After explaining the reasons for the delay in repayment, I expressed my willingness to repay, and put forward the future repayment plan. After that, after waiting for the staff to review, the bank will consider customers with good credit and difficulties in repaying loans as appropriate. If the bank agrees, the customer can negotiate a new repayment agreement with the bank and then repay the loan on time according to the new repayment agreement.
2. What is the latest loan interest rate of the bank?
Hello, the benchmark interest rate of all banks is the same, and the one-year interest rate is 5.3 1%. The specific loan interest rates of the four banks you listed depend on the size and strength of your enterprise. In general, interest rates are floating, the most common ones are 10% and 30%, and if it is a real estate enterprise, it is 50% and 70%. If your enterprise belongs to small and medium-sized enterprises, it will generally increase by 30-50%.
3. What is the bank's mortgage interest rate in 2022?
The bank's first home loan interest rate is ranked as follows: Industrial Bank: 5.40%. Hang Seng Bank: 5.45%. Agricultural Bank: 5.60%. ICBC: 5.60%. Bank of Communications: 5.60%. Rural commercial banks: 5.60%. Recruitment percentage. Postal savings bank: 5.70%.
Mortgage interest rate refers to the interest paid according to the interest rate stipulated by the bank. The mortgage interest rate in China is implemented by the People's Bank of China and can fluctuate within a certain range.
The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.
20 1 The lower limit of the interest rate floating range for emergency loans issued by commercial banks is still 0.7 times of the benchmark interest rate. Commercial banks implement the new interest rate: if the benchmark interest rate is adjusted once a year during the loan period of 65438+ 10/,the loan interest rate will be reduced to 10% of the first home loan interest rate in March 2008, and the first home loan interest rate will be adjusted to 9.5%.
From August, 2065438 to August, 2009, the national multi-city mortgage interest rate rose by 20%.
On the afternoon of May 20th, 20021year, Shenzhen Branch of the four major banks of industry, agriculture, China and Communications made a clear statement to Du Nan.
Housing loans mainly include the following:
1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. That is to say, mortgage and insurance are being handled in the housing provident fund mortgage interest rate and bank deposit interest rate.
2. Personal housing commercial loans: The above two loan methods are limited to employees of the unit, with more restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for the proportion of the funds needed to buy a house, and you have assets recognized by the loan bank as collateral or personal loan repayment, you can apply for a bank mortgage loan.
3. Personal housing portfolio loan: the maximum amount of the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
4. What is the latest mortgage interest rate of major banks in 2022?
Mortgage interest rates of major banks in 2022
Within one year, including one-year short-term loans, the central bank's benchmark interest rate is 4.35%; From one year to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%; For long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%.
If it is a personal provident fund loan, including short-term loans of less than five years, the benchmark interest rate of the central bank is 2.75%; For long-term loans of more than five years, the benchmark interest rate of the central bank is 3.25%.