1. January 2022: The central bank announced that the LPR with a maturity of more than 5 years will be reduced to 4.6%, the interest rate for the first home in Wuhan will be reduced from 5.73% to 5.68%, and the interest rate for the second home will be reduced from 5.98% to 5.93% (lowered 5 basis points);

2. February 2022: The interest rate for first-time homes in Wuhan dropped from 5.68% to 5.63%, and the interest rate for second-time homes dropped from 5.93% to 5.88% (a decrease of 5 basis points);

3. March 2022: The interest rate for first-time homes in Wuhan was reduced from 5.63% to 5.2% (a reduction of 43 basis points), and the interest rate for second-home properties was reduced from 5.88% to 5.4% (a reduction of 48 basis points).

The above is the content related to the first home loan interest rate in Wuhan in 2022. Why is the mortgage not deducted

1. If the money in the bank card is not enough to deduct the mortgage amount, the bank will not be able to automatically deduct the money. The user needs to pay sufficient funds. Withholding is successful;

2. There may be a problem with the bank system. For example, if the bank's system is being upgraded, it may be a system failure that prevents the mortgage loan from being deducted according to the correct process. There is no need to worry about this kind of situation, as long as the bank system is successfully upgraded, the money will be automatically deducted. If there is money in the card and the bank system problem causes the payment to be overdue due to non-deduction, the user can go to the bank to provide feedback, and the bank will bear this responsibility. Can I still get a mortgage loan to buy a house if I have one from the bank?

Users who have a mortgage loan from a bank can also apply for a loan to buy a house. There is no clear rule that users can only apply for a mortgage loan once. . As long as the user can meet the loan requirements set by the bank, he or she can successfully apply for a housing loan. However, users need to note that bank loans will be included in personal credit reports, so if you want to successfully apply for a loan, your personal credit report must be excellent. The loan that the user applied for before must not have an overdue record, otherwise it will affect the approval of future loans, and the bank may refuse to approve the loan. In addition, if users apply for too many loans and the debt ratio is too high, it may also have a certain impact. What is early repayment?

Early repayment refers to the borrower’s prior repayment before the repayment period. Under certain circumstances, early repayment is beneficial to the borrower but not good to the lender. Therefore, whether early repayment is allowed and the standards for early repayment need to be clearly stated. Prepayment includes three situations: full repayment in advance, partial repayment in advance without changing the loan term, and partial repayment in advance while reducing the loan term. Lending banks will only consider applications for early repayment starting from the second repayment month of the personal loan. Although early repayment can save interest costs, there are also some home buyers who are not suitable for early repayment, so before applying for early repayment, borrowers can make choices based on their personal circumstances. This article mainly writes about the knowledge points related to Wuhan’s first home loan interest rate in 2022. The content is for reference only.