1. central bank: the interest rate is 4.35% for six months (including six months of bright study), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.
2. ICBC: the interest rate is 4.35% for six months (including six months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).
3. Agricultural Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).
4. China Construction Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).
5. Bank of China: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).
6. Bank of Communications: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).
7. China Merchants Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).
8. China CITIC Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).
9. China Everbright Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).
10, Shanghai Pudong Development Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years) and 4.9% for three to five years (including five years).
1 1, deep development: 6 months (including 6 months) interest rate 5.6%, 6 months to 1 year (including 1 year) interest rate 6. 15%, 3 to 5 years (including 5 years) interest rate 6.4. 2. Ping An Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).
13, China guangfa bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
14, Huaxia Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years. 15, Minsheng bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.
16, Industrial Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.
17, Bank of East Asia: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 3 to 5 years. 18, Bank of Beijing: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 3 to 5 years.
19, China Postal Savings Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years) and 4.9 for three to five years (including five years).
20. Dezhou Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years). This article mainly focuses on the knowledge points of the list of bank loan interest rates in 2022, and the content is for reference only.
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)
Property market network _ 202265438+February 9 08:23:59_ House price trend _ Read 335
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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 pay the provident fund for 13 times in a row 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.
Housing loan interest rate 2022
The latest mortgage interest rate in 2022 (list of loan interest rates for the first and second homes) The latest loan market quotation rate (LPR) in 2022 is: 1 year, 3.7%, and 5 years and above, 4.6%. According to the monitoring data of mortgage interest rates in 42 key cities in China, the average interest rate of the first home loan in China was 5.33%, up 2 BP from the previous month. The average interest rate of the second home loan was 5.6 1%, up 2BP from the previous month.
1.The first set of individual housing loan interest rate policy in 2022: What is it now?
The interest rate of the first home loan can be as low as 4.4%.
On May 15, the central bank and the China Banking Regulatory Commission released the latest news: for households who purchase ordinary self-occupied houses by loans, the lower limit of the interest rate of commercial personal housing loans for the first suite will be adjusted to not less than the quoted interest rate in the loan market minus 20 basis points. According to the latest (that is, April 2022) LPR, the price is 4.6% for more than 5 years, that is, the interest rate of the first home loan is not less than 4.6%. After this notice, the interest rate of the first home loan can be reduced to 4.4% at the lowest.
What is the interest rate of individual housing loan?
Nowadays, many buyers choose mortgage loans to buy houses, so as to reduce the pressure on their own housing funds. If they want to apply for a mortgage loan to buy a house, they must pay attention to the interest rate of personal housing loans. What is the interest rate of individual housing loan? Let's take a look at Bian Xiao's introduction.
What is the interest rate of individual housing loan?
1. At present, the benchmark interest rate of commercial loans with a loan term of more than five years in China is 4.90%. Due to the policy of restricting purchases and loans, banks in different regions have different efforts to adjust the interest rate of the first home loan. According to the survey, the national average loan interest rate for the first home is 5.38%, the loan interest rate generally rises by about 5% to 20%, and the loan interest rate for the second home generally rises by 65,438+. For those who use housing provident fund loans in the same period, the benchmark loan interest rate is 3.25%, and the second home loan interest rate generally rises 10%.
2. The current loan amount is determined by the lender's family (including the lender, spouse and minor children). If the family has applied for housing provident fund loans or commercial loans to buy a house, it will be regarded as a second suite when applying for housing loans again.
3. The survey shows that from February 2065438 to February 2009, the average interest rate of the first home loan in China was 5.63%, which was equivalent to 1. 149 times of the benchmark interest rate, which was 0.53% lower than that in June. In February last year, the average interest rate of the first home loan was 5.46%, up 3. 1 1%. The average interest rate of the second home loan in China is 5.99%.
4. The latest benchmark interest rates for commercial loans are as follows:
All kinds of loans
Unit:%
six months
4.35 One year
4.35 One to three years
4.75 Three to five years
4.75 More than five years
4.905. Interest rate of the first suite of commercial mortgage (at least 30% down payment)
Unit:%
General grant interest rate
1. 1 time (5.39%)
Minimum loan interest rate
1. 1 time (5.39%)
Maximum interest rate
1.2 times (5.88%)
Note: The interest rate in this table is the benchmark interest rate for loans. At present, the interest rate of the first home commercial loan is usually 1. 1 times, and some banks have slightly lowered or raised it). Up to 70% loan (minimum down payment is 30%)
6. Interest rate of commercial mortgage second home (minimum down payment is 30%)
At present, the interest rate of the second home loan is more than 1.2 times or even higher than the benchmark interest rate. Meanwhile, the borrower's loan interest rate
It is related to the qualifications of banks and borrowers. Up to 70% loan (minimum down payment is 30%)
General grant interest rate
1.2 times (5.88%)
Minimum loan interest rate
1. 1 time (5.39%)
Maximum interest rate
1.3 times (6.37%)
7. Interest rate of provident fund loans
deadline
loan rate
Within 5 years (including 5 years)
2.75%
More than 5 years
3.25%
8. Interest rate of provident fund second home loan
deadline
benchmark interest rate
1. 1 times the benchmark interest rate
Within 5 years (including 5 years)
2.75%
3.025%
More than 5 years
3.25%
3.575%
The above is a detailed introduction about the interest rate of individual housing loan, hoping to help everyone. Because the loan amount and loan term are different, the interest rate of individual housing loan will be different. The specific interest rate of individual housing loans should be consulted with local loan banks.