The latest mortgage interest rate in Nanning is 0. 15 percentage point. The survey shows that the interest rate of the first set of personal housing provident fund loans is 0. 15 percentage points, and the interest rate of the second set of personal housing provident fund loans remains unchanged at 10 in 2022.
Nanning office building shop loan interest rate
At present, the benchmark loan interest rate announced by the bank is 4.35% from 0 to 6 months (including June), 4.35% from June to 1 year (including 1 year), and 4.75% from 1-5 years (including 5 years) and 5-30 years (including 30 years).
Second, personal housing loan business
It is one of the main asset businesses of commercial banks. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals).
(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.
According to the above answers, it can be concluded that the current loan interest rate is determined according to the benchmark interest rate of 4.9% for more than five years. Although this interest rate has changed, it is not much different from the previous interest rate. In addition to this provision, there will be floating standards in various regions. If you still have relevant legal advice, you can call Hualv.com Online Lawyer to answer it.
What is the mortgage interest rate of Nanning in March 20 10?
Hello, in March of 20 10, the mortgage interest rate in Nanning was 4.9%. According to the policy at that time, the lowest interest rate for commercial housing loans was 4.9%, and the lowest interest rate for other types of loans was 5.9% and the highest was 7.9%. In addition, the highest interest rate for commercial housing loans is 7.5%, and the highest interest rate for other types of loans can reach 9.5%.
The latest interest rate of bank mortgage in Nanning in 2022
The first interest rate is 5.65%, and the second interest rate is 5.85%. According to statistics, in April 2022, the mortgage interest rates of banks in Nanning basically stabilized, with the first interest rate of 5.65% and the second interest rate of 5.85%; The real interest rate of individual banks will be slightly lower. Nanning, also known as Greentown and Tancheng, is the capital of Guangxi Zhuang Autonomous Region.
What is the national minimum mortgage interest rate?
Prior to this, the national minimum interest rate was generally 4. 1%, and individual places and banks could achieve 3.9%. 3.8% was rare and almost non-existent.
But this "3.8%" has just been broken for two days.
According to the latest news, the interest rate of the first home mortgage of existing banks in Zhuhai can be as low as 3.7%. There are no other special requirements, and it will be implemented from now on!
In the media verification, some banks said that they had received the notice yesterday afternoon and had implemented it. Some banks also said that they have not received the notice at present.
At present, this interest rate level is the lowest in the country.
We know that the most direct beneficiary of the mortgage interest rate reduction is the property buyers, which can reduce the repayment pressure.
The interest rate of the first home loan was lowered from 4. 1% to 3.7%. How much can the monthly mortgage payment be reduced? Let's actually convert it, taking a 30-year loan of 6.5438+0 million as an example:
If the interest rate is 4. 1%, if the principal and interest are equal, the monthly loan is 483 1.98 yuan, and the total interest is 739,500 yuan.
If the interest rate is 3.7%, if the principal and interest are equal, the monthly loan is 4,602.83 yuan, and the total interest is 657,000 yuan.
Therefore, this wave of decline, 1 10,000 30-year loans, the overall interest loss of about 82,500 yuan and the monthly payment of 229 yuan, really reduced the cost. Since the beginning of this year, local governments have continued the easing policy of the property market and continued to introduce optimization policies to promote the healthy development of the property market.
Specific measures include canceling the purchase restriction, increasing the maximum amount of housing provident fund loans, adjusting the minimum down payment ratio of provident fund loans, extending consumption subsidies, increasing the amount of provident fund loans for families with many children, clearly confirming that houses are not allowed to lend, and encouraging group purchases.
However, property buyers may be most concerned about the mortgage interest rate, because most property buyers do not buy a house in full, and they have to complete the transaction through bank loans, which is generally twenty or thirty years. A little change in interest rate will have a great impact on the final actual payment cost.
Now, the good news is coming. The interest rate of the first home loan was lowered again, reaching a minimum of 3.7%. Many cities have entered the era of mortgage interest rate 3.
In June 5438+ 10 this year, after the central bank and the China Banking Regulatory Commission announced the establishment of the first dynamic adjustment mechanism of housing loan interest rate policy, they adjusted the interest rate of the first home loan in many places, spreading from the initial third-and fourth-tier cities to higher-level cities such as Zhengzhou and Xiamen.
On February 1 day, Nanning adjusted the lower limit of the first set of commercial personal housing loan interest rate in stages. According to the current LPR, the lower limit of the first commercial housing loan interest rate in Nanning will be lowered to 3.7%.
The first home loan interest rate of 3.7% is the lowest commercial loan interest rate in China at present, which ranks with Zhuhai, Zhuzhou and Changde.
The mortgage interest rate of 3.7% is already the lowest level in history.
The interest rate of the first home loan in Xiamen and Zhangzhou, Fujian Province was adjusted from LPR-20 basis points to LPR-50 basis points, which was 3.8%. If you apply for a loan of 6,543.8+0,000 yuan for 30 years, you can save 654.38+0.70 yuan each month and 2,000 yuan a year, and you can save tens of thousands of dollars in 30 years. You know, this is just compared with the previous interest rate. Compared with the previous highest interest rate, it will save more interest.
How will the property market go in 2023?
The transaction volume will definitely be higher than that in 2022. At the end of last year, there were hikes in many places.
Since the end of last year, there has been a hike in Beijing. The daily turnover of new houses exceeds 700 sets, and that of second-hand houses exceeds 900 sets.
During New Year's Day, the transaction volume increased by 80% compared with last year, and the average daily transaction area increased by 300% compared with 20 19-2022!
In the first week of 2023, 587 sets of second-hand houses were sold in Shenzhen, up 19.3% from the previous month.
During the New Year's Day in Wuhan last year, the turnover of new houses increased by 284% compared with last year; One month after Foshan canceled the purchase restriction, the transaction volume also increased significantly, and the prices of popular lots began to rise.
Shijiazhuang, Langfang, Tianjin and other cities all increased by more than 40%; The average daily transaction volume of second-hand houses in Shell 50 City in June 5438+1early October was 39% higher than that in June 5438+February last year.
In 2023, the property market will have a high probability of welcoming Xiaoyangchun market.
Of course, the recovery here refers to the volume of transactions.
The average person may be more concerned about housing prices.
With so many favorable measures, will house prices rise sharply?
House prices will not rise sharply in 2023, and there is no basis for a sharp rise.
On the one hand, house prices are still at a high level. Although there are signs of recovery in the property market, it is still in the bottoming stage, and the trend does not support a sharp rise in house prices.
On the other hand, the property market is good, not to let house prices rise, just as the purpose of property market regulation in the past was not to let house prices fall.
Will it plummet
Neither will it.
The favorable property market will continue to be introduced or upgraded, and some cities have also introduced price limit orders, which basically blocked the space for a sharp drop in house prices.
In addition, house prices cannot fall sharply. 70% of China's household assets are real estate, and a large part of them come from bank loans. If house prices fall too much, it will affect banks and even the entire financial system.
In any case, there is no basis for a sharp drop in house prices.
House prices will fluctuate within a narrow range in 2023.
Not surprisingly, the property market in 2023 will definitely be better than that in 2022.
20 10 Nanning mortgage interest rate
20 10 Nanning's mortgage interest rate should be around 5%. At that time, the house price had not been greatly lengthened, and the mortgage interest rate was not positive. Then the mortgage interest rate was greatly lengthened. At present, after the real estate regulation and purchase restriction, the mortgage interest rate is gradually decreasing.