The benchmark interest rate is 4.9%. The mortgage interest rate of 20 15 years and over 5 years is 4.9%, and 16 years is 4.9%. When buying the first home, most areas give a 15% discount on the mortgage interest rate, that is, the preferential interest rate is 4.655%.
2. What is the mortgage interest rate of 2065,438+06+05,300,000 yuan?
It is related to the implementation of interest rates. Take 200,000 years as an example.
(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 6, 2002+2065438. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.6%; ② 6% for half a year to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ Three to five years (inclusive) 6.4%; ⑤ More than five years, 6.55%.
(2) Mortgage: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status of the loan, collateral, national policy (whether it is the first set) and the degree of bank credit funds. If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. The state stipulates that the lower limit of the interest rate of the first suite is 8.5 fold, and the bank loan interest rate is comprehensively evaluated according to the credit status of the loan. The loan interest rate is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated comprehensively, the mortgage interest rates implemented by different banks are different. Some banks offer more discounts, some banks offer up to 15% discount, while others offer little or no discounts. Generally, in the first half of the year, there are sufficient credit funds, and the discount will be higher. In the second half of the year and the beginning of the year, due to the shortage of funds, the interest rate of the first home loan is subject to the benchmark interest rate, which is 1. 1 times or 1.05 times.
(3) According to the benchmark interest rate, the current benchmark interest rate was adjusted and implemented on July 6, 20 12, and the adjusted interest rate over five years was 6.55%. The monthly interest rate is 6.55%/ 12.
Monthly payment of 200,000 yuan for 20 years (240 months):
2000006.55%/ 12 ( 16.55%/ 12) 240/[( 16.55%/ 12) 240- 1] = 65438.
Total interest:1497.04240-200000 =159289.6 yuan.
Description: 240 is the power of 240.
Three. China Industrial and Commercial Bank Housing Loan Benchmark Interest Rate 2065438+May 2005
A: From 2065438 to May 2005, ICBC mortgage loans were divided into short-term loans, medium-and long-term loans and personal housing provident fund loans, as follows:
1. Short-term loan. The six-month (inclusive) interest rate is 4.3 and the interest rate is 4.35%.
2. The medium and long-term interest rate is 4.75%; The interest rate for three to five years (inclusive) is 4.75%; The interest rate for more than five years is 4.9%.
3. The personal interest rate for five years or less is 3.25%.
4. What is the benchmark interest rate for 20 15 mortgage? Those who just need to buy a house must have a look.
In 20 15, the central bank will take turns to greatly improve the hearts of people who just need to buy houses in cities, and the originally calm real estate market will become restless again. Whether you are a needy family or an improved family, it is always right to know the latest mortgage benchmark interest rate before buying a house. What? You haven't understood this yet, so don't hurry and have a look with Bian Xiao.
What does the benchmark mortgage interest rate mean?
When it comes to the benchmark interest rate, everyone is familiar with it, but I believe many people can't tell why. Professionally speaking, the benchmark interest rate refers to the guiding reference interest rate on deposits and loans of commercial banks issued by the People's Bank of China. From this point, it is not difficult to understand the meaning of mortgage benchmark interest rate, that is, referring to the guiding interest rate of commercial banks when handling housing loans announced by the People's Bank of China, commercial banks can fluctuate up and down on this basis.
What is the benchmark interest rate for 20 15 mortgage?
On March 1 2005, the central bank lowered the benchmark interest rate of RMB deposits and loans of financial institutions, in which the benchmark interest rate of loans within one year (including one year) fell to 5.35%, loans from one year to five years (including five years) fell to 5.75%, and loans over five years fell to 5.90%. Compared with 20 14, 20 15 has dropped a lot, and many property buyers have actually enjoyed the benefits brought by interest rate cuts.
Compared with 20 14, how much can the mortgage be saved this year?
The central bank's interest rate cuts and RRR's interest rate cuts continue, and many people who just need them are ready to buy a house and start a family. Generally speaking, the term of mortgage is mostly over five years, and in this RRR reduction, the benchmark profit of loans over five years has been reduced from 6.14 years to 5.90%. The mortgage interest rates of different banks are different, and the common ones are 70% off, 10% off, 75% off, benchmark interest rate, 1. 1 times, etc.
For example, Xiao Wei takes a fancy to a three-bedroom apartment of 1 10_, and the mortgage is 70%. Bian Xiao did an account for her. If Xiao Liu chooses the bank mortgage interest rate as the benchmark interest rate of 5.90% and the repayment period is 20 years, he only needs to pay 2736.09 yuan per month in the form of equal principal and interest. If calculated according to the benchmark mortgage interest rate of 6. 165438 of 2065438+/October 22nd, Wei will pay 55.59 yuan more every month than now, and 13340.27 yuan more after 20 years. From this point of view, just-needed buyers may wish to make a decisive move when the benchmark mortgage interest rate and house price are low, and easily become "homeowners".
Through the above introduction, I believe everyone has a detailed understanding of the benchmark mortgage interest rate. Buying a house is a big deal, and the benchmark mortgage interest rate should not be underestimated. You can't be too careful when it comes to buyers' pockets. In addition, it is worth mentioning that many "mortgage slaves" found that their monthly payments did not decrease after the interest rate cut of 20 15. This is because in the case of floating interest rates, lending banks can adopt different adjustment methods, which can be annual, monthly or daily. Generally speaking, "annual adjustment" is the default method of most banks, so no matter how many times the benchmark mortgage interest rate rises or falls in a year,
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