5. 1%-5.5%. According to the inquiry of official website of Suzhou Agricultural Bank, large banks in Suzhou apply for loans for small and micro enterprises, and the loan interest rate is around 5. 1%-5.5%. The interest rate for applying for small and micro enterprise loans in Suzhou local corporate banks is around 6.5%-7%.
The first home loan interest rate dropped to 4.4%! Some banks in Suzhou, Zhengzhou and Tianjin have been lowered.
On May 18, it was reported that the interest rate of the first home loan of some banks in Suzhou, Zhengzhou and Tianjin had dropped to 4.4%. In this regard, china securities journal reporters learned from many sources that the news is true.
Some banks have been downgraded.
The credit manager of a branch of the Agricultural Bank of China in Suzhou said, "At present, the interest rate of the first home commercial loan is still 4.6%, but the interest rate of the first home mortgage below 144 square meters can be implemented by 4.4%, which is the latest adjustment. The second home loan interest rate remained unchanged at 5.2%. "
The credit manager of a branch of the Postal Savings Bank in Suzhou said that the interest rate of the first home commercial loan is still 4.6%. If the first home loan has been settled, the interest rate of the second home loan is also 4.6%.
In addition, the credit managers of ICBC, CCB, BOC and Postal Savings Bank in Suzhou all said that the interest rates of the first and second home loans are still 4.6% and 5.2% respectively. A number of credit managers said that the current mortgage amount is sufficient, and the loan can be released within one week after the formalities are complete.
There are also bank credit managers in Suzhou who believe that the mortgage interest rate will drop rapidly. "We are also waiting for the notice, and we can consult again next week."
The staff of Tianjin Merchants Bank said that this week, the interest rate of the first home loan dropped from 4.9% to 4.4%, and the interest rate of the second home loan remained unchanged at 5.2%. Regarding whether you can apply for a mortgage interest rate of 4.4%, the staff said that the new house mainly depends on the cooperative relationship between the developer and China Merchants Bank, and the second-hand house mainly depends on whether it is the cooperative intermediary of China Merchants Bank. In terms of personal qualifications, as long as you have the ability to repay, you can generally apply.
The credit manager of Tianjin Agricultural Bank said that according to the regulations, the interest rate of the first home loan should not be lower than 4.4%, but commercial banks will set standards according to the situation. At present, we haven't received the notice from the superior bank.
The credit manager of Tianjin Construction Bank said that there is no specific notice on the adjustment of mortgage interest rate at present, and it is recommended to consult again once a week or so.
Regarding the mortgage interest rate in Zhengzhou, Ke Holdings Inc, an account manager in Zhengzhou, told china securities journal, "At present, commercial banks in Zhengzhou have been able to achieve a minimum of 4.4%, but there is no red tape at present, so we advise customers to look at the house first and choose a bank with a lower interest rate during the loan process. In terms of new houses, the loan interest rates negotiated by developers and banks are not the same. "
"The lowest loan interest rate approved by a customer recently is 4.5%. Customers have good credit information, strong repayment ability and small house area. " The staff of the above-mentioned Zhengzhou Branch Holding Company told china securities journal that "before this, the interest rate of Zhengzhou's first home loan was generally around 4.7%."
In addition, the account manager of Huaxia Bank in Zhengzhou told the reporter that the current loan interest rate of 4.4% for the first suite has nothing to do with the qualifications of developers and intermediaries. The second-hand housing loan interest rate remained unchanged at 5.2%.
Conducive to just entering the market
A few days ago, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Relevant Issues Concerning the Adjustment of Differentiated Housing Credit Policies (hereinafter referred to as the Notice), proposing that the lower limit of the first set of commercial personal housing loan interest rate should be adjusted to not less than the loan market quoted rate (LPR) of the corresponding term minus 20 basis points, and the lower limit of the second set of commercial personal housing loan interest rate policy should be implemented according to the current regulations.
On April 20th, the People's Bank of China authorized the National Interbank Funding Center to issue a new LPR, showing that the LPR for 1 year was 3.70%, and that for 5 years and above was 4.60%. According to the requirements of the Notice, after adjustment, the lower limit of the interest rate of the first commercial personal housing loan is 4.4%.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, told china securities journal that low transaction volume and low demand for mortgage loans are the main reasons for the downward adjustment of mortgage interest rates in these cities. Judging from the impact, the "price reduction" of new loans is indeed beneficial to the just-needed market entry.
Chen Wenjing, director of market research of the Index Division of the Central Reference Institute, said that after the adjustment of the national unified lower limit, the room for lowering the mortgage interest rate will be further opened, and it is expected that all localities will adjust the mortgage interest rate according to the local actual situation, so as to reduce the cost of home ownership and increase the willingness to buy a home. It is expected that in the future, more cities will lower the mortgage interest rate to the minimum requirement to promote the release of housing demand, and the hot city market is expected to gradually stabilize and rebound.
How did the interest rate of Suzhou Bank's 20 19 mortgage come from 6.3?
The local real estate has risen too fast, and the government has made great efforts to regulate it, resulting in high loan interest rates.
The benchmark interest rate is 4.9%. At present, banks in some areas are still at a 5% discount, which is about 4.655%. In some areas, banks rose by 10%-30%, which is about 5.39%-6.37%. It is very normal that these loan interest rates are inconsistent, depending on the regulation and implementation of real estate policies in different regions.
What is the loan interest rate of Suzhou Bank 202 1?
The loan interest rates of banks and regions fluctuate on the benchmark interest rate announced by the central bank. Take the interest rates of the four major banks in Suzhou as an example, as follows:
The loan interest rate of China Bank in Suzhou area is 5.05%;
The loan interest rate of Suzhou Industrial and Commercial Bank is 5.10%;
The loan interest rate of Suzhou CCB is 5.05%;
The loan interest rate of Suzhou Agricultural Bank is 5.10%;
The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. China's interest rate is managed by the People's Bank of China, and the determined interest rate is implemented after being approved by the State Council. The loan interest rate directly determines the profit distribution ratio between the borrowing enterprise and the bank, thus affecting the economic interests of both borrowers and lenders. The loan interest rate varies with the types and duration of loans, and it is also related to the scarcity of borrowed funds.
The People's Bank of China announced that, with the approval of the State Council, the lower limit of 0.7 times of the loan interest rate of financial institutions will be cancelled from July 20th, 20 13, and financial institutions will independently determine the loan interest rate level according to commercial principles.
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year. However, when calculating the actual daily interest rate, it will be calculated according to 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
Interest rate of Suzhou Bank's first home loan in 2020
On March 20, 2020, the loan market quoted interest rate (LPR) was: 1 year LPR was 4.05%.
The 5-year LPR is 4.75%.
The above LPR is valid until the next LPR version.
In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; The second suite is not less than 30%.
Many banks in Suzhou implement the mortgage policy of 25% to 30% down payment for the first suite and 45% down payment for the second suite.
It is said that for the first set of housing, if the space is reduced by 5 percentage points, it is expected to return to the level of 20% down payment. This allows commercial loan buyers to enjoy the same down payment treatment as provident fund housing loans. For people who buy second homes and improved houses, in the past, they needed to pay off the first loan to get a 30% down payment, but now they can enjoy a 30% down payment without paying it off.
What are the mortgage policies in Suzhou?
Suzhou is also one of the cities that implement the policy of restricting purchases and loans. If you want to buy a house in Suzhou, you need to know the local mortgage policy in addition to the relevant purchase policy. So what are the mortgage policies in Suzhou? Next, Bian Xiao will give a brief introduction.
1. According to Suzhou's latest mortgage policy, we apply for a commercial loan to buy the first house, and the minimum down payment ratio is 30%. If you apply for a provident fund loan to purchase the first house, and the residential area does not exceed 90 square meters, and the total house price is not higher than 165438+ ten thousand yuan, the minimum down payment ratio is 20%. Moreover, individuals apply for provident fund loans for the first time, with a maximum amount of 450,000 yuan. If it is the first time for a family to use provident fund loans, the maximum amount is 700,000 yuan.
2. If when we apply for a commercial loan to buy a house, there is no house in the family name but there is a loan record, or there is a house in the family name but there is no loan record, then the minimum down payment ratio is 50%. If we have a house in our name and the loan is not paid off, then the down payment ratio will be relatively high, and at least 80% down payment will be required.
3. If you apply for a provident fund loan to buy a house for the second time, the minimum down payment ratio is 50%, and the maximum loan amount will be adjusted accordingly. Individuals use provident fund loans for the second time, with a maximum amount of 300,000 yuan; Families use provident fund loans for the second time, with a maximum amount of 500,000 yuan. At present, Suzhou does not provide commercial loans for third homes.
4. The interest rate of the first home mortgage of major banks in Suzhou is mostly the benchmark interest rate. Some banks have a 10% discount on the interest rate of the first suite, and some banks have a 15% discount on the interest rate of the first suite. The mortgage interest rate of second-hand houses is mostly 1. 1 times the benchmark interest rate. The specific mortgage interest rate is subject to the relevant regulations of the bank.
Bian Xiao concluded: What mortgage policies are there in Suzhou? Bian Xiao introduced it here. I hope everyone can understand Suzhou mortgage policy after reading this article. Before applying for a housing loan, you can learn about the relevant regulations of major banks on housing loans.
This concludes the introduction of the commercial loan interest rate of Suzhou Bank and the loan interest rate of 202 1 Suzhou Bank. I wonder if you have found the information you need?