According to the types of corporate loans, it can be divided into five categories: personal housing loans, personal car loans, personal consumption loans, personal business loans and comprehensive loans.
I. Personal housing loan:
1, benchmark interest rate: 6.55%;
2. Floating range of benchmark interest rate:-0.7% ~ 0.7%;
3. Product interest rate: 6.55% ~ 7.25%;
4. The specific interest rate can be customized according to the user's credit status, loan amount and loan term.
Second, personal car loans:
1, benchmark interest rate: 7.2%;
2. Floating range of benchmark interest rate:-0.5% ~ 0.5%;
3. Product interest rate: 7.2% ~ 7.7%;
4. The specific interest rate can be customized according to the user's credit status, loan amount and loan term.
Third, personal consumption loans:
1, benchmark interest rate: 7.3%;
2. Floating range of benchmark interest rate:-0.5% ~ 0.5%;
3. Product interest rate: 7.3% ~ 7.8%;
4. The specific interest rate can be customized according to the user's credit status, loan amount and loan term.
Four, personal business loans:
1, benchmark interest rate: 7.45%;
2. Floating range of benchmark interest rate:-0.5% ~ 0.5%;
3. Product interest rate: 7.45% ~ 7.95%;
4. The specific interest rate can be customized according to the user's credit status, loan amount and loan term.
Verb (abbreviation for verb) comprehensive loan:
1, benchmark interest rate: 7.6%;
2. Floating range of benchmark interest rate:-0.5% ~ 0.5%;
3. Product interest rate: 7.6% ~ 8.1%;
4. The specific interest rate can be customized according to the user's credit status, loan amount and loan term.
The above is the interest rate of Hangzhou United Bank's citizen loan, and the specific interest rate depends on the specific situation of customers. Those who are interested in applying can call customer service or consult local business outlets.
What is the interest rate of housing loan in Hangzhou now?
At present, the first home loan interest rate of some banks in Hangzhou is 10%, with the lowest HSBC 8%. The interest rate of the second home loan generally fluctuates between 15%-20%. The benchmark interest rate is as follows:
The housing loan interest rates of banks in Hangzhou are as follows:
The housing interest rate of Hangzhou provident fund loan is 3.25% for the first suite and 1. 1 times for the second suite.
1. If employees' families (including the principal borrower, spouse and minor children) have no housing and no housing loan records, they will use housing provident fund loans to purchase ordinary self-occupied housing and implement the first set of housing provident fund loan policies. According to different types of houses, the down payment ratio is as follows:
1. For the purchase of commercial housing, the down payment ratio of the loan shall not be less than 30%, and shall not be less than the minimum down payment ratio agreed in the property cooperation agreement of the provident fund center;
2 the purchase of affordable housing, loan down payment ratio of not less than 20%;
3. If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%;
4 the purchase of public housing, the loan amount does not exceed 70% of the total house price;
5 resettlement or construction, renovation, overhaul occupied housing, the loan amount does not exceed 70% of the actual payment.
2. If the employee's family already owns a house or has no house but has a housing loan record, the second set of housing provident fund loan policy shall be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of not less than 60%, and the interest rate of provident fund loan is 1. 1 times of the interest rate of the first set of housing provident fund loans in the same period;
Three, there are two or more sets of housing or outstanding housing provident fund loans under the name of the employee's family, and may not apply for housing provident fund loans.
Four, the down payment ratio should be determined according to the housing situation, price, family repayment ability and credit status. Those who apply for commercial portfolio loans or provident fund commercial discount loans must meet the relevant requirements of commercial banks at the same time.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
What is the latest loan interest rate in Hangzhou?
Hello, the latest loan interest rate in Hangzhou has come out. The minimum down payment for the first suite in Hangzhou is 20%. The executing banks include Bank, Agricultural Bank, Ping An Bank, Industrial Bank, China Everbright Bank, Minsheng Bank, China Merchants Bank, Bank of Communications, China Construction Bank, Postal Savings Bank, Industrial and Commercial Bank of China and China CITIC Bank. Among them, Bank, Agricultural Bank, Ping An Bank, Industrial Bank, China Everbright Bank, Minsheng Bank and China Merchants Bank have a minimum interest rate of 10%, Bank of Communications has a minimum interest rate of 9. 1%, and China Construction Bank, Postal Savings Bank, Industrial and Commercial Bank of China and China CITIC Bank have a minimum interest rate of 9.5%. The lowest interest rate for the first suite in Hangzhou is 15% discount for HSBC, but the minimum down payment for the first suite in HSBC is 30%. The bank that implemented the first set of down payment of 30% also has Hangzhou Bank, but Hangzhou Bank implemented the first set of interest rates with a minimum discount of 9.3%.
In addition, the minimum down payment for the first suite of Guangfa Bank is 2.5%, and the lowest interest rate is 10%. The down payment for the second home in Hangzhou is 30% except for HSBC, Guangfa Bank and Hangzhou Bank. The interest rate of the second home in Hangzhou is 10% higher than the benchmark interest rate. The latest loan interest rate of Hangzhou Bank is as follows:
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124, to further reduce the social financing costs. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy. Bank information port.
In official website, the central bank issued a notice to adjust the deposit interest rate of employees' housing provident fund account from February 2, 20 16, from the current benchmark interest rate for current and three-month deposits divided by collection time to the unified benchmark interest rate for one-year time deposits. According to the regulations of the central bank, the interest collected in the current year and carried forward from the previous year is calculated at the benchmark interest rates of demand deposits and three-month time deposits, which are currently 0.35% and 1. 10% respectively. After this adjustment, the deposit interest rate of the employee housing provident fund account is uniformly implemented according to the one-year time deposit benchmark interest rate, which is currently 1.50%.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
Hangzhou Lin 'an Bank Loan Interest Rate
The loan interest rate of Lin 'an Bank is generally divided into floating interest rate and fixed interest rate according to the term and loan amount. The loan interest rate with floating interest rate is generally based on the benchmark interest rate quoted by the bank, plus the floating interest rate to determine the final loan interest rate. The loan interest rate of fixed interest rate is basically unchanged, generally slightly higher than the floating interest rate.
At present, the loan interest rate of Lin 'an Bank is:
1, floating interest rate: the benchmark interest rate rises by 2.75%, and the loan term is 1-3 years;
2. Fixed interest rate: the benchmark interest rate rises by 3.25%, and the loan period is 3-5 years;
3. Comprehensive interest rate: the benchmark interest rate rises by 3.75%, and the loan term is 5- 10 year.
In addition, Lin 'an Bank also provides mortgage loans, credit loans and other loan products, and the specific loan interest rate is subject to the actual situation.
The loan interest rate of Hangzhou Bank is divided into five years and ten years.
According to the information released by official website of Hangzhou Bank, its housing loan interest rate is divided into the following two categories:
1. Commercial loan: refers to the loan for purchasing shops and non-ordinary houses (such as villas and office buildings). Among them, the five-year interest rate is between 4.65% and 5.15%, and the ten-year interest rate is between 4.9% and 5.4%.
2. Housing loan: Due to the adjustment of housing loan policy, newly purchased ordinary housing loans should be directed to individual housing loans. Among them, the five-year interest rate is between 3.99% and 4.89%, and the ten-year interest rate is between 4.24% and 5.14%.
It should be noted that interest rates may change due to market changes and other reasons. It is recommended that you consult the bank for the latest interest rate policy when handling the loan.
So much for the introduction of loan interest rates of banks in Hangzhou.