At present, the benchmark interest rate for commercial loans with a loan term of more than 5 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 latest data shows that the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5% to 20%. The interest rate of the second home loan generally rises 10% to 30%.
Mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. The floating ratio of different banks is different, and the floating ratio of the same bank in different regions is also different, so the specific interest rate is subject to the actual interest rate stipulated by the bank.
Since the central bank cut interest rates in June 20 15, the current benchmark interest rate for bank closure is: the loan interest rate for less than one year (including one year) is 4.35%; The interest rate for one year to five years (including five rounds of local split years) is 4.75%; More than five years is 4.90%. In 20 18 years, banks will also implement this benchmark interest rate.
At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have made different adjustments to the interest rate of the first home loan. The latest data shows that 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%.
Measures for the Administration of Individual Housing Loans
Article 35 If the borrower is under any of the following circumstances, the lender shall investigate the borrower's liability for breach of contract according to the relevant provisions of the General Rules for Loans of the People's Bank of China:
How much is the interest on the commercial loan of the house?
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.
What is the interest rate of commercial housing loan?
Since 20 15, 10124, the central bank's benchmark interest rate has not changed, as follows:
1, the benchmark interest rate of commercial mortgage.
(1) Within one year, the interest rate is 4.35%.
(2) The loan term is one to five years and the interest rate is 4.75%.
(3) If the loan term exceeds five years, the interest rate is 4.90%.
2. benchmark interest rate of provident fund mortgage.
(1) The loan is within 5 years, and the interest rate is 2.75%.
(2) If the loan is over 5 years, the interest rate is 3.25%.
Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
Personal housing loans mainly have the following three loan forms:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low;
On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.
(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Processing flow:
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB conducts loan approval.
4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.
How much is the commercial loan interest for buying a house?
1. The interest on buying a house with commercial loans is related to the loan amount, loan interest rate, repayment method and repayment period. At present, the interest rate of commercial loans is based on the benchmark interest rate of the central bank, and commercial banks fluctuate on the benchmark interest rate according to the actual situation.
2. The benchmark interest rate of the central bank's commercial loan to buy a house is: 1 year, 4.35%; 1-5 years, 4.75%; More than 5 years, 4.9%.
3. Suppose Xiaoxi chooses a loan from China Merchants Bank, the amount is 600,000 yuan, the interest rate is raised by the central bank benchmark 10%, the principal and interest are equal, and Xiaoxi * * * has to bear the loan interest of 6 1 1558.54 yuan.