In 2022, the commercial loan profit of Changchun China Bank was 19.8%. Because the commercial loan data of Changchun China Bank shows that the profit is 19.8%.

2. What is the commercial mortgage interest rate in Changchun?

Hello, the current commercial loan interest rate is unified nationwide, that is, the loan interest rate for more than five years is 5.94%, the preferential interest rate for the first suite is 4. 158%, and the interest rate for the second suite 1. 1 is 6.53%.

Jia Wei Anjie Company is honored to answer your questions. Welcome to call 0 10-64022006 for more mortgage questions.

3. What's the latest news about the interest rate of Changchun Bank?

The deposit interest rates of banks in Changchun are not the same. In my opinion, if you want to handle time deposit business, don't rush to determine the bank. You can choose the bank deposit that you think is very suitable after knowing the deposit interest rate information of each bank.

The following are the specific interest rates of major banks for reference only:

1, Bank of China: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

2. China Construction Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

3. ICBC: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

4. Agricultural Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

5. Postal Savings Bank: 1 annual interest rate 1.78%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

6. Bank of Communications: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

7. China Merchants Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

8. Bank of Shanghai: 1 annual interest rate 1.95%, 2-year interest rate 2.4%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

9. China Everbright Bank: 1 annual interest rate 1.95%, 2-year interest rate 2.4 1%, 3-year interest rate 2.75% and 5-year interest rate 3%;

10, Shanghai Pudong Development Bank: 1 The annual interest rate is 1.95%, the annual interest rate is 2.4%, the annual interest rate is 2.8%, and the annual interest rate is 2.8%.

1 1, Ping An Bank: 1 annual interest rate 1.95%, annual interest rate 2.5%, annual interest rate 2.8%, annual interest rate 2.8%.

12, Bank of Ningbo: 1 2, 2%, 2.4%, 3.8%, 5%;

13, CITIC Bank: 1 annual interest rate 1.95%, 2-year interest rate 2.3%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

14, Minsheng Bank: 1 annual interest rate 1.95%, 2-year interest rate 2.35%, 3-year interest rate 2.8%, 5-year interest rate 2.8%;

15, Guangfa Bank: 1 annual interest rate 1.95%, 2-year interest rate 2.4%, 3-year interest rate 3. 1%, 5-year interest rate 3.2%;

16, Huaxia Bank: 1 annual interest rate 1.95%, 2 annual interest rate 2.4%, 3 annual interest rate 3. 1%, 5 annual interest rate 3.2%;

17, Industrial Bank: 1 annual interest rate 1.95%, 2-year interest rate 2.75%, 3-year interest rate 3.2%, 5-year interest rate 3.2%;

18, Bank of Beijing: 1 annual interest rate 1.95%, 2 annual interest rate 2.5%, 3 annual interest rate 3. 15%, 5 annual interest rate 3.15%;

19, Bank of Jilin: 1 annual interest rate 1.95%, 2-year interest rate 2.52%, 3-year interest rate 3.3%, 5-year interest rate 3.6%;

4.20 10 Changchun Bank of China loaned 230,000 yuan to buy a house with a term of 30 years. I want to repay 50 thousand in advance. How is it more appropriate?

The answer is as follows; Bank of China borrowed 230,000 yuan, which has been repaid 16 months. Calculated, each repayment is August 2065, 438+00. At that time, the benchmark annual interest rate was 5.94%, and the bank gave you a 30% discount (note: 30% discount is valid throughout the repayment period), 4. 158%, and the monthly repayment amount was11yuan. The mortgage interest rate is adjusted once a year, and it is adjusted according to the latest interest rate after China Bank lends money for one year (other banks adjust according to the latest interest rate in June every year, 5438+ 10). 20 1 1 August, your loan interest rate is 4.935% after 30% discount on the latest benchmark annual interest rate of 7.05%, and the adjusted monthly repayment amount is 1222.83 yuan. According to the current situation, the total repayment of the loan after 30 years is 438,972.70 yuan, and the total interest paid is 208,972.70 yuan. Now you are ready to repay 50 thousand in advance. Suppose you repay this 50 thousand yuan in February this year. After partial repayment in advance, the whole loan will be recalculated. There are two ways for you to choose: 1. The repayment period remains unchanged and the monthly repayment amount is reduced. After calculation, if the repayment period is still 30 years, the monthly repayment amount can be reduced to 957.24 yuan. The total interest of the 30-year expenditure is 166653.5438+0 yuan, which is 42438+09.6438+09 yuan less than the original. 2. The monthly repayment amount is basically unchanged, shortening the repayment cycle. After calculation, if the monthly repayment amount is 12 19.34 yuan, the repayment period can be shortened to 236 months (19 and 8 months). The total interest paid in 236 months is 105357.02 yuan, which is less than the original 1036 15.68 yuan. Compared with the two methods, the total interest of 2 is less than that of 1. Which way to choose can be decided according to your repayment ability. Mode 1 month is less, but the total interest is more; The mode of February supply is basically unchanged, but the total interest is less. If you still have the ability to pay 1220 every month, I suggest you choose the second option.