Zhengzhou mortgage interest rate rose by an average of 22%, reaching 5.96%, ranking first in the country. Banks in Zhengzhou have different floating interest rates for the first suite and the second suite. Please refer to the following data:

1. Huaxia Bank and Agricultural Bank: the interest rate of the first home loan is 5.88%, up by 20%; The second home loan interest rate is 6. 125%, up 25%;

2. Industrial and Commercial Bank of China, Bank of Zhengzhou and Guangfa Bank: the interest rate of the first home loan is 5.88%, up 20%; The interest rate of the second home loan is 6.37%, up 30%;

3. China Merchants Bank: the interest rate of the first home loan is 5.88%, up 20%; The second home loan interest rate is 6. 125%, up 25%;

4. Bank of Communications: the interest rate of the first home loan is 6. 125%, up by 25%; The interest rate of the second home loan is 6.37%, up 30%;

5. Bank of China: The interest rate of the first suite and the second suite is 5.88%, up by 20%;

6. China Construction Bank and Postal Savings Bank: the interest rate of the first home loan is 6. 125%, up by 25%; The second home loan interest rate is 6.6 15%, up 35%.

(1) mortgage interest rate refers to the loan with real estate in the bank, and the loan pays interest at the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.

⑵ China's mortgage interest rate is not always constant, but constantly changing. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

⑶ 2065438+June 7th, 2002, the central bank issued an emergency document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate. Commercial banks will implement the new interest rate: if the loan term is more than one year, the loan interest rate will be adjusted once a year, and it will be 65438+ 10/0 in June. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.

B: What's the mortgage interest rate? Is it high in a fifth-tier city? what do you think?

Your mortgage interest rate is really high, but compared with me, it is still similar. I was cheated once, and the pain is beyond words.

Your mortgage interest rate is 6. 125%, which should be 25% higher than the previous benchmark interest rate of 4.9%. But my mortgage interest rate is 35% higher than the benchmark interest rate of 4.9%, reaching 6.6 15%, which is only higher than yours.

Last April, I went to Daya Bay, Huizhou, Guangdong to buy a house. At that time, the concept of Guangdong-Hong Kong-Macao Greater Bay Area was very popular, and there were rumors that Daya Bay would be merged into Shenzhen. It is in this atmosphere that I bought a house with a loan.

At that time, banks were very good at picking customers. It is said that it has risen by 20% on the basis of the benchmark profit of 5.88%. As a result, when it came to lending, it changed its mind and became a floating 35%.

The bank is not authentic in this matter, and it is suspected of taking advantage of the fire. However, the formalities have been completed, and it is not easy to change banks. Besides, all the banks in Daya Bay were like that at that time, and the mortgage interest rate rose very high, so I had to accept it. My loan interest rate is not the highest. It is said that some people's mortgage interest rates have risen by 50% to 7.35%!

Fortunately, there are not many loans, only 400,000, and the monthly repayment is more than 2,800. As for whether to repay the loan in advance, I haven't decided yet, mainly because it's only been a year and I haven't saved much money. I think if I have money, I will repay the loan in advance.

It's been a year since I bought a house. Over the past year, the housing price in Daya Bay has not increased much, but the bank's mortgage interest rate has dropped a lot. I am a big loser, and the mortgage interest rate stands at a high point. Although I regret it, the mortgage contract has been signed, and I can only accept it in black and white.

But then again, I bought Daya Bay in Huizhou, which can be classified as a second-tier city and has the advantage of being close to Shenzhen. Although the mortgage interest rate is a bit high, I admit it. The house you bought is a fifth-tier city, and 6. 125% is really a bit high.

If possible, I suggest you repay the loan in advance! Because the downward trend of interest rates is obvious now, if you have money in your hand, you won't have much interest in the bank. Instead of this, it is better to repay the loan in advance and minimize interest expenses.

The mortgage interest rate is 6. 12%, which is very high for both the first suite and the second suite.

Let's take a look at the national mortgage interest rate level. According to the data of Rong 360, from March 2065438 to 2009, the average interest rate of the first home loan in China was 5.56%, which was equivalent to 1. 134 times of the benchmark interest rate, and it has been falling for four consecutive months since February 2065438.

6. The mortgage interest rate of12% is obviously higher than the national average interest rate of the second home loan. If it is the first suite, the interest rate will be higher. 6. 12% is equivalent to an increase of 24.9% compared with the benchmark interest rate of 4.9%. At present, the rate of return on financial management is difficult to reach more than 6%, and the loan interest is still quite high. If you are not good at financial management and save enough money in the future, you can consider repaying in advance.

The level of mortgage interest rates varies from place to place. Cities with high real estate speculation tend to have higher interest rates. In cities with low real estate speculation and a downward trend in housing prices, interest rates will be significantly reduced.

Take the loan of 6,543,800 yuan as an example. If the loan is made at the benchmark interest rate of 4.90% for 20 years, the monthly repayment will be 6544 yuan according to the repayment method of equal principal and interest. After 20 years, the accumulated interest is 570,000, accounting for 57% of the loan amount.

Now that you have made a choice, let's repay the loan. Once the interest rate fluctuation range is determined, it will not be lowered unless the benchmark loan interest rate is lowered. If you save a sum of money in the next few years, repay the loan in advance and reduce the total loan amount, and the monthly repayment amount will also be reduced. If you can shorten the loan period, you can save more interest. Unfortunately, most banks do not offer this option.

In the new first-tier cities, the interest rate of the first home mortgage we recently signed is 5.88%. Since June 8 this year 10, the central bank has formulated a new mortgage interest rate policy. The new commercial personal housing loan interest rate will be priced with reference to the loan market quotation (LPR) and decoupled from the previous benchmark interest rate. According to 20 1 19 years1October 20th, the fourth loan market quotation (LPR): 1 year LPR is 4. 15%, which is 5 basis points lower than before; The five-year LPR is 4.80%, which is 5 basis points lower than before.

Your interest rate is 6. 125, and here is the interest rate for the second suite. According to our local standards, if you are the second suite, your interest rate is not high, and if you are the first suite, your mortgage interest rate is obviously high.

To tell the truth, the subject's question is not detailed enough.

There is a question that you may misunderstand.

It is true that every bank adjusts its mortgage interest rate according to the benchmark loan interest rate, but each bank's lending interest rate has its own considerations. It is normal for some bank loan interest rates to rise by 30% on the basis of the benchmark interest rate, which is determined by the nature of the bank itself. Each bank has set its own minimum loan interest rate according to the benchmark interest rate and national policies, which will only be flat or high in general loan business.

For example, the loan interest rate of Bank A itself rises by 25% on the basis of the benchmark interest rate. If the benchmark interest rate at that time was 4.9%, the lowest benchmark interest rate that individuals could apply for was 6. 125%. If the qualifications are not good, banks may continue to raise interest rates.

The mortgage interest rate of each bank is different, because the mortgage interest rate of major banks usually fluctuates on the basis of the central bank's benchmark interest rate, and the loan interest rate of each bank is not exactly the same, depending on the borrower's personal qualifications and the relevant regulations of each bank.

So, does the subject have the ability to choose a bank?

If the bank is designated by the developer of the new house and new property, the individual basically has no choice, so consider it more and repay the loan with peace of mind. Some developers will specify banks in the purchase contract. From the point of view that the effectiveness of the contract terms is greater than the legal provisions, individuals basically have no chance to choose banks.

If it is a second-hand house, the customer has the right to choose a bank in his own hands, and there is no problem in choosing a bank with a lower interest rate according to the subject's own personal qualifications.

Therefore, to evaluate the mortgage interest rate, we should not only look at the benchmark interest rate, but also look at the basic situation when individuals buy houses, and make a comprehensive analysis. If you have no choice, don't think about your height and ask for trouble.

Hello! My city is Zibo!

At present, the interest rates implemented in Zibo are: 5.635 for the first suite, 5.88 for the second suite, and no loan for the third suite!

Zibo's current banking policy is to recognize loans but not houses (meaning: no matter how many suites there are in my name, as long as there is no loan, it will be calculated at the interest rate of the first suite, and if there is a housing loan, it will be calculated at the second suite)!

According to the policy of the central bank, there is no benchmark interest rate after June 19+00 and 20 10. Only the central bank gives a benchmark interest rate every month according to the interbank lending rate, and each bank can freely float a certain proportion on the benchmark according to the place where its bank is located and the amount of loans!

Every city is different. If you want to buy a house, you can consult a local real estate agent. Because they go to the bank every month and know the latest!

I hope my answer is helpful to you!

At present, the benchmark interest rate of bank loans has become lpr4.80%. According to the current actual bank loan interest rate, the first set is basically 5.63%-5.88%. Both sets are above 5.88%. At present, most of the first-line and second-line loans are 5.63%, some banks will be lower, 5.39% and some banks are 5.88%. According to different banks, the loan interest rate will be different. Of course, the bank's loan interest rate is determined by their respective cities. Different cities have different loan interest rates. As you said, your loan interest rate has reached more than 6%. Whether it is the first set or the second set, this interest rate is relatively high relative to the national mortgage interest rate. The interest rate of this loan is set by the local bank itself, which is beyond our control and choice.

In the LPR disclosed by the Central Bank on 20 19, the LPR for more than five years is 4.8%. The mortgage interest rate of 6. 125% should be the loan contract signed when the previous base interest rate of 4.9% rose by 25%.

According to the 201191mortgage market report released by Rong 360 Big Data Research Institute1on October 28th, the average interest rate of the first suite in China is 5.53%, and that of the second suite is 5.85%. Therefore, whether it is the first home loan or the second home loan, the mortgage interest rate of 6. 1.25% is at a high level in the country. However, compared with other loans, the mortgage interest rate is still the lowest, and there is no need to entangle the interest rate level with the loan to buy a house. At present, the city with the highest interest rate of the first home loan is Nanning, and the mortgage interest rate has reached 6.3%.

According to the basic principle of "making policy according to the city", this fifth-tier city is within the control range of implementing the long-term real estate management mechanism.

Ask everyone what the mortgage interest rate is? Is the fifth-tier city 6. 125 high? what do you think?

The latest benchmark interest rate for provident fund loans is 3.25% (more than 5 years), the benchmark interest rate for the first suite is 3.25%, and the interest rate for the second suite is 3.575%. This interest rate is relatively low. If it is a provident fund loan, it is recommended to apply according to the maximum amount and the maximum number of years. This can be understood as the welfare that the country just needs, which is very cost-effective.

The latest benchmark interest rate of commercial loans is 4.9% (more than 5 years), the first suite rises 10%, the interest rate is 5.39%, the second suite rises 20%, and the interest rate is 5.88%. The loan interest rate is 6. 1.25%, which is equivalent to an increase of 25% on the basis of the benchmark interest rate of 4.9%. Personally, I think this interest rate is not low in several first-tier cities. If you have money, I suggest that you pay it back in advance, which is another matter for those who are particularly capable of "Qian Shengqian".

Loan interest rate, the policy issued by the central bank, is generally implemented according to the interest rate issued by the central bank, and mortgage concessions have become a thing of the past.

Mortgage has a great relationship with the deposit base, but mortgage has a greater relationship with the balance of provident fund.

I hope the above answers can help you!

Chongqing first set of 5.64, two sets of 5.88.

You this?

It seems that I was scared by real estate speculation [covering my face] [covering my face] [covering my face]

Suffering from those hard-working customers who just need it.

C. 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%.

What is the mortgage interest rate of D.D.20 19?

20 19 the approximate range of the interest rate of the first home loan of commercial banks is

1, loan term 1 to 5 years, including 5 years, and the interest rate of the first home loan is generally between 4.75%-6.7 15%;

2. The interest rate of the first home loan with a loan term of more than 5 years is generally between 4.9% and 6.37%.

The above is the approximate range of the first home loan interest rate of 20 19. If the central bank does not adjust the benchmark loan interest rate, the interest rate range should not change much. In the actual loan process, commercial banks will determine the specific loan interest rate by combining various factors.

The change of mortgage interest rate will affect every buyer's heart. At present, the state's regulation policy on the property market has been very strict, and the mortgage interest rate is often in a floating state. What is the mortgage interest rate of 20 19?

1, and the short-term loan interest rate within one year (inclusive) is 4.35%; The medium-term loan interest rate of one year to five years (inclusive) is 4.75%; The long-term loan interest rate for more than five years is 4.9%. Under normal circumstances, mortgages are long-term loans for more than five years, so the floating% is always on the basis of 4.9%.

2. The mortgage interest rate rises by 5%, which means that you applied for a mortgage in this bank. The mortgage interest rate is 4.9 %× (15%) = 5.145%; The mortgage interest rate rises 10%, which means that if you apply for a mortgage in this bank, the mortgage interest rate is 4.9% × (110%) = 5.39%; The mortgage interest rate is 20%, which means you apply for a mortgage in this bank. The mortgage interest rate is 4.9% × 80% = 3.92%.

3. Interest = interest rate of principal mortgage loan term. Therefore, under the same conditions, it is more cost-effective to get a bank loan and get a discount on the mortgage interest rate. The lower the discount, the less interest.

What's the latest news about the 20 19 mortgage interest rate?

1. From the trend of mortgage interest rate, it is more likely that the interest rate of 20 19 will be adjusted back. Judging from market liquidity, the central bank has reduced RRR five times since 20 18, and the current market liquidity is in a reasonable and abundant state, which is conducive to the expansion of credit scale.

2. From the risk point of view, individual housing loans are relatively less risky assets, and banks are relatively willing to increase the credit scale in this area. However, because the liquidity of the central bank is intended to give blood to private enterprises and small and micro enterprises, the financial supervision of real estate has not been liberalized, so the bank's inclination to real estate is limited.

3. Due to the purification of the housing market environment and the favorable liquidity of funds, the interests of the just-needed groups need to be guaranteed, but there are still differences between first-tier cities and second-tier cities. Generally speaking, the interest rate in first-tier cities is lower than that in second-tier cities, which is mainly affected by the urban economic situation, the number of banks, the volume and the business volume. However, from the current point of view, even in first-tier cities, it is impossible for interest rates to fall back to preferential discount levels in the short term.

What's the latest news about the current mortgage interest rates of 20 19 and 20 19? I'm here to explain it to you, hoping to help you. It is not difficult to see that the current mortgage interest rate is relatively high, and many house slaves are under pressure. However, from the current situation, there may be a certain correction in the future mortgage interest rate.

E. how much is the down payment for buying the first house and the interest on the mortgage?

Down payment for the first suite: Taking the personal loan policy of Zheshang Bank in 2020 as an example, the proportion of "unlimited purchase" urban households purchasing the first personal housing down payment loan will be reduced from 30% to 20%.

As early as 2065438+February 2006, the People's Bank of China and the China Banking Regulatory Commission pointed out in the Notice on Relevant Issues Concerning the Adjustment of Individual Housing Loan Policy:

In cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places.

The relevant staff of Zheshang Bank responded to the media that this policy is not "one size fits all" and 20% is just the bottom line. Not all the implementation processes are based on the proportion of 20%, and other factors must be comprehensively considered before deciding whether to give a down payment ratio of 20%.

Loan interest rate (mortgage interest): Take the mortgage interest rate from 2065438 to August 2009 and the average housing loan interest rate as examples. In August, the average interest rate of the first home loan in China was 5.47%, up 3 basis points from the previous month. The average interest rate of the second home loan is 5.78%, up 2 basis points from the previous month, which is equivalent to 62 basis points and 93 basis points higher than the current five-year LPR level, both of which are far higher than the lower limit of interest rate stipulated in the New Deal.

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First-hand housing down payment calculation method:

Down payment = total house price-customer loan amount; Loan amount = contract price (market price) × 80% (the first loan amount can be as high as 80%)

Second-hand housing down payment calculation method:

Net down payment = actual sales price-customer loan amount (net down payment: excluding national taxes and fees and intermediary service commission); Loan amount = appraised price of second-hand house × 80% (the first loan amount can reach 80%); The loan amount can be estimated according to the contract price × 85%, and the approximate evaluation price can be estimated.

The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different.

Although there are regulations, as long as you take 30% of the total house price, there is still a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan.

If you use a commercial loan, you need to examine your family income and repayment ability to see how much you can borrow. The total house price minus the loan amount is also the down payment.

Refer to the above content: network-housing loan

Refer to the above content: Phoenix. Com- suite down payment reduced to 20%! In 2020, the property market was "loosened" and the first shot was fired.

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

20 19 first home loan, with the central bank's benchmark interest rate of 4.35%; From one year to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%;

For long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%.

If it is a personal provident fund loan, including short-term loans of less than five years, the benchmark interest rate of the central bank is 2.75%; For long-term loans of more than five years, the benchmark interest rate of the central bank is 3.25%.

Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.

The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate. Commercial banks will implement the new interest rate: if the loan term is more than one year, the loan interest rate will be adjusted once a year, and it will be 65438+ 10/0 in June. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.

From August, 2065438 to August, 2009, the national multi-city mortgage interest rate rose by 20%. On the afternoon of May 20th, 2002/KLOC-0, Shenzhen Branch of the four major banks of Industry, Agriculture, China and Communications made it clear to Du Nan that the mortgage interest rate had been raised.

Housing loans mainly include the following:

1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house.

Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.

2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.

As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.

3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans.

4. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

G. Zhengzhou No.1 Middle School