Regardless of the loan interest rate or deposit interest rate, banks will rise or fall appropriately on the benchmark interest rate of the central bank according to the standards of the national central bank. At present, the mortgage interest rate of most banks is about 10%- 15% on the basis of the benchmark interest rate.

At present, the benchmark loan interest rate in China is as follows:

I. Short-term loans

Within one year (including one year), 4.35%

Second, medium and long-term loans

One to five years (including five years) 4.75%

More than five years, 4.90%

Three, the individual housing provident fund loan annual interest rate

Less than five years (including five years) 2.75%

More than five years, 3.25%.

In 2020, the interest rate of the first home loan in many places is 465, and the loan is 300,000. After ten years, the monthly loan will be 3 1, 3 1 yuan.

The first home loan refers to the loan issued by the bank to the borrower for purchasing the first ordinary house for personal use. The borrower must provide a guarantee when applying for a personal housing loan. 20111February Some banks in Guangzhou, Beijing and Tianjin returned to the benchmark, and the second home loan showed no signs of relaxation. Wang's disinterest shows that the return of interest rates to the benchmark is not a policy relaxation.

From August, 2065438 to August, 2009, the interest rate of multi-city mortgage in China was raised. According to the Shanghai Stock Exchange and the interface, many banks in Hangzhou implemented the first set of benchmarks to rise by 8% or 10%, while Nanjing, Qingdao, Suzhou, Hefei, Wuhan and Wuxi generally rose by 20% or even 30%.

Wuxi lowered the interest rate of the first home provident fund loan, and the interest rate for more than five years fell to 3. 1%.

On October 8th, 65438/kloc-0, according to the official account of "Wuxi Provident Fund" WeChat, Wuxi lowered the interest rate of the first individual housing provident fund loan from June 5438+10/.

The announcement shows that since June 65438+1 October1day, Wuxi has lowered the interest rate of the first set of personal housing provident fund loans by 0. 15 percentage points, and the interest rates for less than 5 years (including 5 years) and more than 5 years have been adjusted to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.

Editor Wu Xin

Schools should cope with spring _

What's the interest rate for the first home loan?

If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. Calculation method of mortgage interest rate formula: According to the general mortgage repayment method, there are two calculation formulas: 1. Calculation formula of equal principal and interest: calculation principle: the bank first collects the interest of the remaining principal, and then collects the principal from the monthly contribution; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged. It should be noted that: 1, the maximum amount of urban provident fund loans should be combined with local conditions; 2. For residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for buying a second set of ordinary self-occupied housing, the preferential policies for buying ordinary self-occupied housing with the first set of loans shall be implemented mutatis mutandis. 2. Calculation formula of average capital: monthly repayment amount = monthly principal = monthly principal/repayment months = monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate calculation principle: the amount of principal returned every month remains unchanged, and the interest will decrease with the decrease of remaining principal.

Housing loan interest

According to the monitoring data of a real estate platform, the average interest rate of the first home loan in August 2020 (July 20-August 18) was 5.25%; The average interest rate of the second home loan is 5.56%; The average mortgage interest rate of the first suite and the second suite decreased slightly compared with last month. The average interest rates of the first home loan in some popular cities are: Beijing 5.2%, Shanghai 4.69%, Guangzhou 4.95%, Shenzhen 4.98%, Huizhou 5.59%, Chongqing 5.25%, Suzhou 5.42%, Shijiazhuang 5. 15%, Kunming 5.06% and Zhengzhou 5.69%.

Latest mortgage interest rates in 23 popular cities:

Beijing: According to Minsheng Bank, the interest rate of the first home loan in Beijing is between 5.2% and 5.39%, and the down payment is 3.5%. The interest rate of the second home loan is between 5.7% and 5.88%, and the down payment is 80%.

Shanghai: According to the data of China Everbright Bank, the interest rate of the first home loan in Shanghai is between 4.65% and 4.9%, and the down payment is 3.5%. The interest rate of the second home loan is between 5.25% and 5.39%, and the down payment is 70%. At present, the minimum mortgage interest rate for the first suite is 4.65%, which is lower than before; The lowest interest rate for the second suite is 5.45%, which is a little higher than the original interest rate.

Guangzhou: According to the data of the Postal Savings Bank, the interest rate of the first home loan in Guangzhou is between 4.95% and 5.15%, with a down payment of 30%; The interest rate of the second home loan is between 5.25% and 5.39%, and the down payment is 70%.

Shenzhen: According to the data of Bank of Beijing, the interest rate of the first home loan in Shenzhen is between 4.95% and 5.15%, with a down payment of 30%; The interest rate of the second home loan is between 5.25% and 5.39%, and the down payment is 70%.

Chengdu: According to the data of China Bank, the interest rate of the first home loan in Chengdu is between 5.88% and 6.13%, with a down payment of 30%; The interest rate of the second home loan is between 6. 13%-6.37%, and the down payment is 60%.

Hangzhou: ICBC data shows that the interest rate of the first home loan in Hangzhou is between 5. 12%-5.39%, with a down payment of 30%; The interest rate of the second home loan is between 5.30% and 5.64%, and the down payment is 60%.

Chongqing: According to the data of Ping An Bank, the interest rate of the first home loan in Chongqing is between 5.25% and 5.39%, with a down payment of 30%; The interest rate of the second home loan is between 5.45% and 5.64%, and the down payment is 40%.

Wuhan: According to the data of Wuhan Bank of China, the interest rate of the first home loan is between 5.68% and 5.88%, and the down payment is 30%; The interest rate of the second home loan is between 5.93% and 6.13%, and the down payment is 50%.

Suzhou: According to the data of Shanghai Pudong Development Bank, the interest rate of the first home loan in Suzhou is between 5.40% and 5.64%. The interest rate of the second home loan is between 5.80% and 5.88%, and the down payment is 80%.

Xi 'an: According to the data of Agricultural Bank of China, the interest rate of Xi 'an's first home loan is between 5.44% and 5.64%, with a down payment of 30%; The interest rate of the second home loan is between 5.64% and 5.88%, and the down payment is 40%.

Tianjin: According to bank of tianjin data, the interest rate of the first home loan in Tianjin is between 4.95% and 5.15%, with a down payment of 30%; The interest rate of the second home loan is between 5.25% and 5.39%, and the down payment is 60%.

Nanjing: The interest rate of the first home loan fluctuates between 5.45% and 5.50%, and the interest rate of the second home loan is 5.75%. Relevant personnel of Nanjing Bank and Industrial Bank said that they have never stopped the second home loan business. Huaxia Bank data shows that the interest rate of the first home loan is between 5.45% and 5.64%, with a down payment of 30%; The interest rate of the second home loan is between 5.73% and 5.88%, and the down payment is 80%.

Zhengzhou City: According to the data of Guangfa Bank, the interest rate of the first home loan in Zhengzhou is between 5.64% and 5.88%, and the down payment is 30%; The interest rate of the second home loan is between 5.88% and 6.13%, and the down payment is 60%.

Changsha City: According to the data of China Construction Bank, the interest rate of the first home loan in Changsha is between 5.64% and 5.88%, and the down payment is 30%; The interest rate of the second home loan is 5.88%-6. 13%, and the down payment is 4.5%.

Shenyang: According to the data of Guangfa Bank, the interest rate of the first home loan in Shenyang is between 5.50% and 5.64%, with a down payment of 30%; The interest rate of the second home loan is 5.75%-5.88%, and the down payment is 40%.

Qingdao: ICBC data shows that the interest rate of the first home loan in Qingdao is between 5.35% and 5.64%, with a down payment of 30%; The interest rate of the second home loan is between 5.65% and 5.88%, and the down payment is 40%.

Ningbo: According to the data of China Construction Bank, the interest rate of the first home loan in Ningbo is between 5.25% and 5.39%, with a down payment of 30%; The interest rate of the second home loan is between 5.50% and 5.64%, and the down payment is 40%.

Dongguan: According to the data of China Merchants Bank, the interest rate of the first home loan in Dongguan is between 5. 15%-5.39%, with a down payment of 30%; The interest rate of the second home loan is 5.35%-5.64%, and the down payment is 40%.

Wuxi: According to Huaxia Bank, the interest rate of the first home loan in Wuxi is between 5.90% and 6.13%, with a down payment of 30%; The interest rate of the second home loan is between 6. 15%-6.37%, and the down payment is 50%.

Jinan City: According to the data of China Merchants Bank, the interest rate of the first home loan in Jinan is between 5. 15%-5.39%, and the down payment is 30%; The interest rate of the second home loan is 5.35%-5.64%, with a down payment of 60%.

Fuzhou: The interest rate of the first suite is generally around 5%, among which the interest rate of the first suite of Agricultural Bank of China and Bank of Communications is only 4.95%-4.945%; The interest rate of the second suite is generally around 5.25%. The mortgage interest rates of the first and second suites have declined. According to the data of Shanghai Pudong Development Bank, the interest rate of the first home loan is between 5. 19%-5.39%, and the down payment is 30%; The interest rate of the second home loan is 5.43%-5.88%, and the down payment is 50%.

Nanning: In September, 2020, the mortgage interest rate of new and second-hand houses in Nanning was lowered as a whole, and the interest rate of the first home loan was between 5.75% and 5.88%. The interest rate of the second home loan is between 6.00% and 6.17%. According to the data of the Postal Savings Bank, the interest rate of the first home loan is between 5.88% and 6.13%, and the down payment is 20%; The interest rate of the second home loan is between 6. 13%-6.37%, and the down payment is 40%.

Ganzhou City: The interest rate of the first home loan is between 5.65% and 5.65%; The interest rate of the second home loan is between 5.88% and 6.15%.