1. Commercial loans: short-term loans within one year (including one year) are 4.35%. The medium and long-term loans for one year to five years (including five years) are 4.75%. More than five years is 4.90%.
2. Personal housing provident fund loan: 2.75% for five years or less. More than five years is 3.25%.
1, mortgage interest rate, refers to the loan with real estate in the bank, and the loan shall pay interest at the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float 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. 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate. Commercial banks will implement the new interest rate: if the loan term is more than one year, the loan interest rate will be adjusted once a year, and it will be 65438+ 10/0 in June. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.
2. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate.
3. Commercial banks will implement a new interest rate: from 2065438+2003 65438+ 10/0, mortgage borrowers can intelligently reduce the pressure. But each commercial bank can float 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.
What is the 25-year loan interest rate for the first suite in Beijing?
From now on, the minimum interest rate for the first home loan in Beijing will rise by 0.0 1%.
(Reporter Cheng Jie) According to the announcement of the central bank, starting from today, the new commercial personal housing loan interest rate will be based on the sum of the loan market quotations in the same period in the last month. Among them, the interest rate of the first commercial personal housing loan shall not be lower than the LPR in the same period, and the interest rate of the second commercial personal housing loan shall not be lower than the LPR plus 60 basis points in the same period. At the same time, the central bank announced clearly that all provincial branches of the People's Bank of China should guide the self-discipline mechanism of interest rate pricing in the provincial market in accordance with the principle of "making policies according to the city" and determine the lower limit of interest rates for the first and second sets of commercial personal housing loans within their jurisdiction on the basis of the unified national credit policy and changes in the local real estate market situation.
It is understood that various provinces and cities have deployed the transformation of the pricing benchmark of individual housing loan interest rates, and the specific situation will be officially introduced one after another. The new pricing benchmark of individual housing loans in Beijing is: the interest rate of the first set of commercial individual housing loans is not lower than the LPR (loan market quotation) of 55 basis points in the same period (1 basis point is equal to 0.0 1%), and the interest rate of the second set of commercial individual housing loans is not lower than LPR 105 basis points in the same period. According to the five-year LPR of 4.85% announced by the central bank on September 20th, the lower limit of interest rate for the first set of personal housing loans in Beijing is 5.4%, and that for the second set is 5.9%. Previously, the mainstream interest rate of the first home loan in Beijing was the benchmark interest rate of 4.90%, rising by 10%, an increase of 5.39%; The second home loan interest rate is 20% higher than the benchmark interest rate, that is, 5.88%. In absolute terms, after the implementation of the new regulations, the lowest interest rate of the first home loan in Beijing rose by 0.0 1%, and the interest rate of the second home loan rose by 0.02%. Before and after the reform, the minimum mortgage interest rate was basically the same, which was in line with market expectations.
What is the interest rate of commercial mortgage?
Buying a house is a big expense, and many people can't afford it, so they can only choose to buy a house with a loan. So what is the commercial mortgage interest rate? What are the mortgage interest rates of major banks? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.
What is the interest rate of commercial mortgage?
At present, the benchmark interest rate for commercial mortgages with a term of more than five years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.
What are the mortgage interest rates of major banks?
1. China Construction Bank: benchmark interest rate is 4.9%, down payment for the first suite is 30%, benchmark interest rate rises 15%, down payment for the second suite is 40%, and benchmark interest rate is 25%.
2. ICBC: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate is raised by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%.
3. Agricultural Bank: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 15%, the down payment for the second suite is 30%, and the benchmark interest rate is 20%.
4. Bank of China: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 15%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%. Cooperative property can apply for a loan.
5. Bank of Jiangsu: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises 15%-25%, the down payment for the second suite is 30%, and the benchmark interest rate is 25%. The loan period is about two weeks.
6. Postal Savings Bank: The benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate is raised by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is raised by 30%.
7. Bank of Communications: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%-30%. The loan period is about three months.
Abstract: The above is what Bian Xiao introduced to you about the commercial mortgage interest rate and the mortgage interest rate of major banks, hoping to help some friends in need.
Interest rate of the first commercial housing loan in Beijing in 2o23
In 2o23, the interest rate of the first commercial housing loan in Beijing was around 5.35%.
Beijing, formerly known as Yanjing and Peiping, is the capital of People's Republic of China (PRC), a municipality directly under the Central Government, a national central city and a megacity. The State Council approved China as a political center, a cultural center, an international exchange center, a scientific and technological innovation center, a famous historical and cultural city in China and one of the ancient capitals.
What is the interest rate of commercial housing loan?
At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.
202 1 Beijing mortgage interest rate
Short-term loan interest rate, medium-and long-term loan interest rate and provident fund loan interest rate. The specific analysis is as follows:
1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.
3. Provident fund loan: the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.