1. Short-term loan: the interest rate is 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: the interest rate for one to five years (including five years) is 4.75%, and the interest rate for more than five years is 4.90%;
3. Provident fund loan: the interest rate for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.
The above is the current mortgage benchmark interest rate.
Different loan methods have different interest rates, among which the interest rate of provident fund loans will be relatively low. The longer the loan term, the higher the loan interest rate, and all banks will float above the benchmark interest rate of the central bank. In order to help you understand the specific content, let's explain in detail the mortgage interest rates of major banks in 2022.
In 2022, the interest rate of central bank loans will be 4.35% within one year (including one year), 4.75% within one to five years (including five years), and 4.9% for loans over five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
The average mortgage is more than five years, and most provident fund loans are not enough to support the current total mortgage, so the interest rate of commercial loans is the most representative.
Then, let's look at the floating level of commercial banks.
We can see that the central bank's loan interest rate for more than five years is 4.9%, which has returned to the level of about 20 15.
At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.
What is the loan interest rate of China People's Bank?
The latest benchmark interest rate of China People's Bank loan: 1, short-term loan: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years;
3. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
202165438+February China Construction Bank loan interest rate
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House price trend
CCB Loan Interest Rate Table 202 1 Latest Interest Rate (CCB Loan Interest Rate Table 202 1 Latest Interest Rate Calculation)
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Speaking of the interest rate in the latest version of the 202 1 CCB loan interest rate table, some people will definitely ask the calculation method of the 202 1 CCB loan interest rate table, and some people will ask why the 202 1 CCB loan interest rate table is calculated in this way. China Construction Bank 202 1 The latest version of the loan interest rate table calculates the interest rate in detail. The main reason may be that we already have the answer. Let's take a look at the interest rate in the latest version of 202 1 CCB loan interest rate table. I hope the articles compiled by Bian Xiao can help everyone. !
1.URV CCB loan interest rate
The loan interest rate is 4.35%. The personal loan interest rate of China Construction Bank is based on the latest benchmark interest rate published by the People's Bank of China, and is calculated in a certain proportion according to different situations.
At present, the latest benchmark interest rate of China People's Bank is: the short-term loan interest rate of China Construction Bank (within 6 months, including 6 months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%.
The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
2. Zhouzhi CCB mortgage interest rate
CCB's loan interest rate table is formulated with reference to the benchmark interest rate stipulated by the central bank, and the actual loan interest rate may be raised.
Loans are divided into: provident fund loans, short-term loans and medium and long-term loans. The loan interest rate of CCB 202 1 is as follows: 1, and the short-term loan is 4.35% for one year (within one year).
2. Medium and long-term loans: 1-5 years (including 5 years) 4.75%. 3. More than five years: 4.9%. 4 individual housing provident fund loans for less than 5 years (including 5 years) 2.75%, more than 5 years 3.25%.
5. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
3. CCB mortgage interest rate
The first suite in loan prime rate is 4.65%, BP is raised to 1.08%, and the administrative loan interest rate is 5.73%.
The interest rate of the second-attribute basic loan is 4.65%, BP is raised to 1.38%, and the interest rate of the administrative loan is 6.03%.
Matters needing attention in housing loan 1. When making a loan, you must first understand the repayment method of the bank and make a choice according to the actual situation.
At present, there are mainly two kinds of equal principal and interest and average capital. The former has a lower interest rate, but the monthly supply is higher, and the economic pressure on buyers is greater. The latter method has a higher interest rate, but the monthly repayment pressure of buyers is less. Secondly, if you choose a provident fund loan, it is best not to withdraw money from your personal account before preparing your application.
When there is no balance in the account, it means that the provident fund has no loan amount and cannot apply for a mortgage. Because you can't apply for early repayment after paying off the mortgage for one year, you can't repay the loan in advance in the first year. Pay.
However, this kind of loan must be paid 13 times to qualify.
Third, before buying a house, we must first increase the down payment. According to the real estate related policies, the down payment for the first suite is not less than 30% of the total house price, and the down payment for the second suite is not less than 30% of the total house price. 40%。
At the same time, you need to consider the loan interest rate, that is, prepare more money. The fourth is to require the unit to issue a good income certificate. This material is needed to go to the bank for loan business. It is best for buyers to earn twice as much as their mortgage, which makes it easier to pass the mortgage review.
At the same time, you also need to keep all payment invoices, such as down payment, loans and other invoices. These invoices are needed to handle property rights.
After the mortgage is paid off, the buyer remembers to go to the bank to apply for cancellation of the mortgage. At that time, the staff will issue relevant certification materials, and then go directly to the counter of the relevant real estate department to handle the house cancellation procedures. Mortgage loan.
Four. The latest announcement of CCB's mortgage interest rate in 2022
1. CCB housing loan interest rate 1, personal housing provident fund loans within 5 years (including 5 years) 2.75% and over 5 years 3.25%2, commercial housing loan interest rates within 5 years (including 5 years) 4.75% and over 5 years 4.90%2. Personal housing loan applicant qualification 1, legal occupation and stable income source, and ability to repay on time. 2. No illegal acts or bad credit records; 3. You can provide effective pledge guarantee recognized by the bank, or you can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability; 4. Open a bank personal settlement account and agree to deduct the loan principal and interest from the personal settlement account designated by the bank; 5. Other conditions stipulated by the bank.
The above is the latest version of CCB loan interest rate table 202 1 interest rate and the latest version of CCB loan interest rate table 202 1 interest rate calculation. The above articles are all from the Internet. The latest version of CCB loan interest rate table 202 1 annual interest rate calculation is helpful to everyone.
What is the bank loan interest rate in 2022?
_ Latest Loan Market Quotation (lpr) of China People's Bank in 2022:
Updated on September 20, 2022:
On September 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.65% for 0 years and 4.3% for 5 years and above.
Note: The above LPR is valid until the next LPR release.
Updated on August 22, 2022:
On August 22, 2022, the loan market quoted interest rate (LPR) was 65438+3.65% for 0 years and 4.3% for 5 years and above.
Updated on July 20, 2022:
On July 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and over 5 years, 4.45%.
Updated on June 20, 2022:
On June 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.7% for 0 years and 4.45% for 5 years and above.
Updated on May 20, 2022:
On May 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.7% for 0 years and 4.45% for 5 years and above.
Updated on April 20, 2022:
On April 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and 5 years and above, 4.6%.
Updated on March 2, 20221:
On March 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years and above, and 4.6%.
Updated on February 2, 20221:
On February 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years or more, and 4.6% for a period of five years or more.
20221October 20th, updated 65438:
In 2022 1 October 20th, the loan market quoted interest rate (LPR) was:1year LPR was 3.7%, and the LPR over five years was 4.6%.