Short-term loan interest rate, medium-and long-term loan interest rate and provident fund loan interest rate. The specific analysis is as follows:
1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.
3. Provident fund loan: the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
What is the interest rate of the first home loan in Beijing?
15 At 9: 00 am on August 22nd, the People's Bank of China authorized the National Interbank Funding Center to announce that the quoted interest rate (LPR) of the loan market on August 22nd, 2022 was 65438+3.65% for 0 years and 4.3% for 5 years and above.
Compared with the previous LPR quotation, 1 year LPR and 5-year LPR are lowered by 5 basis points and 15 basis points respectively. Previously, the 5-year LPR declined the most on May 20th, and the 5-year LPR in that month was lowered by 15 basis points to 4.45%. 1 year LPR is the same as last month's quotation, which is 3.70%.
From August, 2065438 to August, 2009, the central bank implemented the new policy of mortgage interest rate, and the commercial individual housing loan interest rate was formed by adding the loan market quotation (LPR) in the last month as the pricing benchmark. Therefore, the latest LPR released on the 20th of each month (the weekend will be postponed to the working day) determines the basic interest rate of the mortgage, which is also directly related to the monthly payment of the mortgage owner.
What is the interest rate of the second home loan in Beijing?
_2022 Beijing second home loan interest rate latest news
Since June 65438+ 10/day, 2022, Beijing has lowered the interest rate of the first individual housing provident fund loan. The interest rate for less than five years (including five years) will be reduced to 2.6%, and that for more than five years will be reduced to 3. 1%. 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.
_ Housing provident fund individual housing loan period?
The shortest term of general housing provident fund personal housing loan is 1 year, and the longest is 25 years. Specific to the individual should be combined with the age of the loan applicant and the remaining service life of the purchased house to determine:
(1) Calculate the loan period according to the age of the loan applicant, that is, 65 years old minus the applicant's age at the time of application;
(2) If you buy a second-hand house, you need to calculate the service life of the loan according to the remaining service life of the house, that is, the service life of the building (50 years for brick masonry and 60 years for steel concrete) minus the service life of the building and then minus 3 years.
The shorter of the above two years is determined as the longest loan term. For example, the applicant applied to Beijing Housing Provident Fund Management Center for a loan to buy a second-hand house. His age is 40 and his spouse is 45. The house he bought is a brick-concrete structure and has been used for 23 years. The loan term calculated by age is 25 years, the loan term calculated by the remaining service life of the purchased house is 24 years (50-23-3=24 years), and the longest loan term of the applicant is 24 years.
Beijing 2022 mortgage interest rate has been adjusted several times.
With the latest five-year LPR interest rate cut, the reporter learned that banks in Beijing today lowered the mortgage interest rate by 5 basis points, and the first home loan interest rate generally fell to 5. 15%, and the second home loan fell to 5.65%.
On the morning of 65438+1October 2 1, the reporter consulted a number of bank outlets as a property buyer. According to the staff of Fangzhuang Fangqunyuan Sub-branch of China Industrial and Commercial Bank, the current interest rate of the first suite is 5. 15%, and that of the second suite is 5.65%. "If the documents of both parties are complete, the loan will be approved in one to two weeks and will be received in one month." The staff member said.
The staff of Dongcheng Sub-branch of Postal Savings Bank and Chaoyang Sub-branch of China Construction Bank quote the same loan interest rate, and the lending speed depends on the outlets selected by real estate developers.
Many citizens are concerned about how this interest rate is calculated.
On October 20th, 65438/kloc-0, the People's Bank of China authorized the National Interbank Funding Center to announce that the loan market quoted interest rate (LPR) 1 year was 3.7% in 2022, and 4.6% over five years. Among them, the LPR has been lowered by 5 basis points for more than 5 years, which is the first reduction after a lapse of 20 months.
It is reported that at present, the interest rate of Beijing mortgage market is still subject to the standards of 55 basis points for the first suite LPR and 0/05 basis points for the second suite LPR, which are 5.2% and 5.7% respectively. Therefore, after the five-year LPR is lowered by 5 basis points, the interest rate will be reduced to 5. 15% and 5.65%.
According to the reporter's calculation, based on the first home mortgage 1 10,000 yuan, 30 years of equal principal and interest repayment, and the interest rate of 5.2%, the monthly mortgage of the buyers is 54911yuan, and the total repayment amount is1.976799./kloc.
If the LPR remains unchanged at 4.6% for more than five years in June 5438+February this year, the interest rate of the first suite is 55 basis points, that is, 5. 15%. If the buyers buy a new house and use the new LPR mortgage interest rate, after the implementation of the new LPR interest rate, the monthly mortgage payment in 2023 will be 5,460.26 yuan, and the total repayment will be/kloc-0.
From this calculation, in contrast, after the LPR is reduced by 5 basis points for more than 5 years, the monthly payment is reduced by 30.85 yuan, and the accumulated interest difference is1.65,438+0.65,438+0,000 yuan.
On August 25th, 2020, 12, state-owned banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Postal Savings Bank all announced that starting from August 25th, 2020, the pricing benchmark of individual housing loans with floating interest rates that meet the conversion conditions but have not been converted will be converted into LPR in batches, and the loan pricing benchmark can only be converted once, and cannot be converted again after conversion.
It should be noted that the borrower who chose the "floating interest rate" method before will indeed reduce the monthly mortgage repayment amount. However, if the borrower has previously chosen the "fixed interest rate" method, even if the 5-year LPR is lowered, the repayment amount will not change.
However, in the context of "housing is not speculation", interest rate adjustment is conducive to the just-needed and improved housing demand, and does not mean that the real estate policy has turned. The regulatory authorities have made it clear many times recently that real estate will not be used as a tool and means of short-term economy.
"There is no policy adjustment for mortgages, and there are no signs of loosening personal loans." The relevant person in charge of a state-owned bank outlet in Beijing and the reporter revealed.
Source Beijing Daily Client | Reporter Pan Intern Deng Bichuan
Editor Wang Haiping
Process Editor wuyue
What is the interest rate of the first commercial loan in Beijing?
The benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan.
The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%. The second home loan is defined as the number of mortgage loans determined by the borrower's family (including the borrower, spouse and minor children). If a family that has used provident fund loans or commercial loans to buy a house applies for a mortgage again, it is regarded as a second home.
Logo of the first suite of loan
Admitting the house and not accepting the loan: Admitting the house and not accepting the loan means that as long as there is no house under the name of the buyer, regardless of whether the house loan has been handled before, it is the first suite.
Lending but not housing: the policy of lending and not housing, the bank will consider the borrower's historical loan record when handling the mortgage. As long as the mortgage is settled, it will be determined according to the first suite when the loan is bought.
Recognition of housing and loan: when buying a house by loan, if the borrower has no housing or housing loan record, it is deemed as the first suite. At the same time, it is the most stringent standard among the three to recognize housing and loans.
For the above contents, please refer to People's Daily Online-the interest rate of the first home loan in Beijing shall not be lower than 5.4%.
This is the last day of the introduction of Beijing commercial housing loan interest rate and Beijing housing loan interest rate. I wonder if you found the information you need from it?