The mortgage interest rate is 4.90%. If 15 repays 250,000 yuan, and the principal plus interest is 365,066.10 yuan, the monthly repayment amount is 2028.6438+04 yuan. Extended data:
Conditions for applying for a mortgage: buying a house is a large consumption, so many people will choose to apply for a mortgage when buying a house. I. Conditions for housing loan application 1. Applicants need to have legal residence status and permanent residence or proof of residence status of urban residents, so it is best to buy a house in the place where your household registration is located or the city where you live now. 2. The age must be 18 years old. 3. The applicant must have a compliant job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time. 4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank. The applicant's credit should be good. Second, the housing loan application materials 1. Applicants should prepare their own identity documents, that is, valid identity documents; 2. Prepare your own residence certificate, such as household registration book or valid residence certificate; 3. Prepare your work certificate and income certificate; 4. Prepare your own House Sales Contract and related documents; 5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate. Benchmark interest rate of mortgage: the annual interest rate of mortgage within one year (including one year) is 4.35%. 2. The annual mortgage interest rate for one year to five years (including five years) is 4.75%. The annual interest rate of mortgage for three years, five years to thirty years (including thirty years) is 4.90%. Although the People's Bank of China has stipulated the benchmark interest rate of mortgage, it is not a rigid standard, that is to say, when determining the mortgage interest rate, banks can fluctuate within a certain range according to the benchmark interest rate of mortgage stipulated by the central bank. At present, the mortgage interest rates of most banks are higher than the benchmark mortgage interest rate, and some even rise by about 30%. It can be said that China's mortgage interest rate will not only change frequently, but also appear in the form of rising interest rates. Domestic first home loan interest rates generally rose by 5% to 20%. The interest rate of second-home loans also generally rose 10% to 30%.
Second, what is the interest rate for buying a house in Qingzhou with a monthly loan of 250,000 yuan?
Depending on whether it is a provident fund loan or a commercial loan, the normal benchmark interest rate for commercial loans is 6.55% for many years. The repayment method is that most banks give equal principal and interest, and the loan will be repaid in 20 years, so the monthly repayment of 250,000 loans is about 1.870.
3. What is the monthly loan of 250,000 yuan for buying a house in Qingzhou? What is the interest rate?
Hello,
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).
Interest rate of provident fund loans announced by the central bank:
Less than five years (inclusive) 2.75%
More than five years, 3.25%
4. What is the monthly loan of 250,000 yuan for buying a house in Qingzhou? What is the interest rate?
Depending on whether it is a provident fund loan or a commercial loan, the normal benchmark interest rate for commercial loans is 6.55% for many years. The repayment method is that most banks give equal principal and interest, and the loan will be repaid in 20 years, so the monthly repayment of 250,000 loans is about 1.870.