Nowadays, housing prices across the country remain high, so borrowing money to buy a house has become the first choice for the general public. However, the mortgage interest rates of each bank are different, and the preferential intensity and policies are also different. Generally, everyone will Choose the four major banks for loans, so which of the four major banks will have the lowest mortgage interest rate in 2022? What is the 2022 home loan interest rate table of the four major banks? Next, we will bring you the latest introduction to the mortgage loan interest rates of the four major banks in 2022.
Which of the four major banks has the lowest mortgage interest rate in 2022?
1. At present, the relatively large banks in my country include Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications and Postal Savings Bank. , these relatively large bank loan interest rates are based on the central bank's benchmark interest rate.
2. The interest rate is 4.35% for more than one year (including one year); the interest rate is 4.75% for one to five years (including five years); the interest rate is 4.9% for more than five years; the provident fund loan is used for five years The interest rate for the following five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.
3. The bank's loan interest rate is based on the central bank's benchmark interest rate, which fluctuates up and down within the prescribed range. If you apply for a housing loan at a bank, the loan interest rate is generally 1.1 times the benchmark interest rate, which is also That is 5.39%. In some areas, the mortgage interest rate exceeds 6%. If you apply for a second home loan, the mortgage interest rate will be even higher.
Mortgage loan interest rate table of the four major banks in 2022
Since October 24, 2015, the central bank has cut interest rates by 0.25 percentage points and lowered the reserve requirement ratio by 0.5 percentage points. The central bank also announced the lifting of the floating cap on deposit interest rates. However, the relevant person in charge of the central bank emphasized that the removal of administrative restrictions on interest rate floating does not mean that the central bank will no longer manage interest rates, and the marketization of interest rates will enter a new stage.
The central bank’s official website issued a notice that starting from February 21, 2016, it will adjust the deposit interest rate of employees’ housing provident fund accounts from the current benchmark interest rate for current and three-month deposits based on the collection time to a unified basis. The one-year time deposit benchmark interest rate is implemented. The central bank stated that the interest collected in the current year and carried forward from the previous year are calculated based on 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 for employee housing provident fund accounts will be uniformly based on the one-year time deposit benchmark interest rate, which is currently 1.50%.
The above is a list of the mortgage interest rates of the four major banks in 2022. After reading this, you will know which of the four major banks has the lowest mortgage interest rate in 2022. In fact, the level of mortgage interest rates is related to the standards issued by the central bank. The four major banks generally determine the mortgage interest rates according to the central bank's interest rate adjustments. You can make a comparison before deciding which bank to choose for a loan to buy a house.