The interest rate is different with different loan terms.
The mortgage interest rate of Zhengzhou Everbright Bank in 2023 is 4.35% for one-year loans, 4.90% for loans over five years, and1-4.75% for loans over five years.
China Everbright Bank was established in August, 1992. It is a national joint-stock commercial bank established by the People's Bank of China with the approval of the State Council, with its headquarters in Beijing.
65438+Zhengzhou mortgage interest rate in September 2009
65438+September 2009, Zhengzhou mortgage interest rate was 9%. At that time, because there were many people buying houses, there were several suites. In order to control the real estate price, the mortgage interest rate was raised.
2022 Henan mortgage interest rate
1. Huaxia Bank and Agricultural Bank: the first home loan interest rate is 5.88%, and the second home loan interest rate is 6.125%;
2. Industrial and Commercial Bank of China, Bank of Zhengzhou and Guangfa Bank: the interest rate of the first home loan is 5.88%, and the interest rate of the second home loan is 6.37%;
3. China Merchants Bank: the interest rate of the first home loan is 5.88%, and the interest rate of the second home loan is 6.125%;
4. Bank of Communications: the interest rate of the first home loan is 6. 125%, and the interest rate of the second home loan is 6.37%;
5. Bank of China: The mortgage interest rate for the first and second suites is 5.88%;
6. China Construction Bank and Postal Savings Bank: the interest rate of the first mortgage is 6. 125%, and the interest rate of the second mortgage is 6.6 15%.
The above are the mortgage interest rates of major banks in Zhengzhou in 2022.
The mortgage interest rate in Bank of Zhengzhou is 20 18.
4.35%。
Bank of Zhengzhou 20 18 mortgage interest rate information shows that Zhengzhou housing loan interest rate of 20 18 is 4.35%.
Bank of Zhengzhou was founded in 1996 1 1 month, and was renamed as Bank of Zhengzhou in 2009. It was listed on the main board of Hong Kong on February 23, 2019 and on the Shenzhen Stock Exchange on September 20 18.
Zhengzhou mortgage interest rate
At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate: 4.90%.
1. Why does Zhengzhou have the highest mortgage interest rate?
At present, Zhengzhou's mortgage interest rate has generally risen by 20%, and some banks' first suites have also risen by 30%. Why do you want to stop rising and stabilize, because you don't want house prices to rise!
After the Spring Festival on 20 17, the central bank closed the printing machine and collected money from the money market. Our most direct feeling is that there is less and less money in the whole market at 20 17, which leads to an increase in interest rates in the money market.
According to the data of Zhengzhou Real Estate 20 18 and 1, the personal mortgage loan in Zhengzhou was 2,390.6 billion yuan, down by 2.0%.
2 trillion, the national total mortgage 1 ***30 trillion, Zhengzhou monopolizes a quarter. Zhengzhou mortgage interest rate is not the first, so who will be the first? Dare the mortgage interest rate drop? Not only don't go down, but also go up. Not only can it be used, but also the loan approval should be strictly controlled. I won't lend it to you if you are willing to lend it at a high interest rate. In short, you will not be leveraged to buy a house.
Two. List of major banks with mortgage interest rate of 202 1
Mortgage rates of major banks:
1, China Construction Bank
The first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.35%(LPR 170BP).
2. Industrial and Commercial Bank of China
The first interest rate is 5.9%(LPR 125BP), and the second interest rate is 6. 1%(LPR 145BP).
3. Agricultural Bank of China
The first interest rate is 5.8%(LPR 1 15BP), and the second interest rate is 5.95‰(LPR 130BP).
4. Bank of China
The first interest rate is 6.35%(LPR 170BP) and the second interest rate is 6.5%(LPR 150BP).
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.
The interest rate for more than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; For more than five years, the interest rate is 4.9%; The loan interest rate for using the provident fund for less than five years (including five years) is 2.75%, and the loan interest rate for more than five years is 3.25%.
On April 20th, 2002 1 year, the loan market quoted interest rate (LPR) was:1year LPR was 3.85% and 5-year LPR was 4.65%. The above LPR is valid until the next LPR version.
Three, the loan market quotation (LPR) is quoted by the quotation banks according to the open market operating interest rate (mainly referring to the medium-term lending convenience rate), and is calculated by the National Interbank Funding Center to provide pricing reference for bank loans. LPR quotation banks now include 65,438+08 banks. Before 9: 00 on the 20th of each month (postponed in case of holidays), each quotation bank shall submit the quotation to the National Interbank Funding Center in steps of 0.05 percentage point. After excluding the highest and lowest quotations, the National Interbank Funding Center calculates the LPR arithmetically, rounding it to the nearest integer multiple of 0.05%, which will be announced at 9: 30 on the same day, and the public can borrow money from banks nationwide. At present, LPR includes 1 year and more than 5 years. According to the announcement of the People's Bank of China (Announcement [20 19]No. 15), the quotation rate (LPR) of the loan mall will be calculated according to the new composition mechanism from August 20, 20 19.