Buying a house is a big expense, and many people can't afford it, so they can only choose to buy a house with a loan. So what is the commercial mortgage interest rate? What are the mortgage interest rates of major banks? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

What is the interest rate of commercial mortgage?

At present, the benchmark interest rate for commercial mortgages with a term of more than five 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%.

What are the mortgage interest rates of major banks?

1. China Construction Bank: benchmark interest rate is 4.9%, down payment for the first suite is 30%, benchmark interest rate rises 15%, down payment for the second suite is 40%, and benchmark interest rate is 25%.

2. ICBC: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate is raised by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%.

3. Agricultural Bank: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 15%, the down payment for the second suite is 30%, and the benchmark interest rate is 20%.

4. Bank of China: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 15%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%. Cooperative property can apply for a loan.

5. Bank of Jiangsu: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises 15%-25%, the down payment for the second suite is 30%, and the benchmark interest rate is 25%. The loan period is about two weeks.

6. Postal Savings Bank: The benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate is raised by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is raised by 30%.

7. Bank of Communications: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%-30%. The loan period is about three months.

Abstract: The above is what Bian Xiao introduced to you about the commercial mortgage interest rate and the mortgage interest rate of major banks, hoping to help some friends in need.

What is the interest rate of Beijing mortgage commercial loan?

Mortgage commercial loan interest rate:

Short-term loans within one year (including one year) are 4.35%.

The medium and long-term loans for one year to five years (including five years) are 4.75%. More than five years is 4.90%.

personal housing accumulation fund loan

The five-year period (inclusive) is 2.75%.

More than five years is 3.25%.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee.

After passing the examination, the bank promises to issue loans to the buyers. According to the house sales contract provided by the buyers and the mortgage loan contract signed between the bank and the buyers,

Real estate mortgage registration notarization, the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Self-operated loan

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Consortium lending

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

Loan amount: 80% of the value of the loanable property after being audited by the bank.

Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.

Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.

Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.

way

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.

Guarantee fee

In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.

Application material

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

What is the interest rate of commercial housing loan?

At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.

What is the 25-year loan interest rate for the first suite in Beijing?

From now on, the minimum interest rate for the first home loan in Beijing will rise by 0.0 1%.

(Reporter Cheng Jie) According to the announcement of the central bank, starting from today, the new commercial personal housing loan interest rate will be based on the sum of the loan market quotations in the same period in the last month. Among them, the interest rate of the first commercial personal housing loan shall not be lower than the LPR in the same period, and the interest rate of the second commercial personal housing loan shall not be lower than the LPR plus 60 basis points in the same period. At the same time, the central bank announced clearly that all provincial branches of the People's Bank of China should guide the self-discipline mechanism of interest rate pricing in the provincial market in accordance with the principle of "making policies according to the city" and determine the lower limit of interest rates for the first and second sets of commercial personal housing loans within their jurisdiction on the basis of the unified national credit policy and changes in the local real estate market situation.

It is understood that various provinces and cities have deployed the transformation of the pricing benchmark of individual housing loan interest rates, and the specific situation will be officially introduced one after another. The new pricing benchmark of individual housing loans in Beijing is: the interest rate of the first set of commercial individual housing loans is not lower than the LPR (loan market quotation) of 55 basis points in the same period (1 basis point is equal to 0.0 1%), and the interest rate of the second set of commercial individual housing loans is not lower than LPR 105 basis points in the same period. According to the five-year LPR of 4.85% announced by the central bank on September 20th, the lower limit of interest rate for the first set of personal housing loans in Beijing is 5.4%, and that for the second set is 5.9%. Previously, the mainstream interest rate of the first home loan in Beijing was the benchmark interest rate of 4.90%, rising by 10%, an increase of 5.39%; The second home loan interest rate is 20% higher than the benchmark interest rate, that is, 5.88%. In absolute terms, after the implementation of the new regulations, the lowest interest rate of the first home loan in Beijing rose by 0.0 1%, and the interest rate of the second home loan rose by 0.02%. Before and after the reform, the minimum mortgage interest rate was basically the same, which was in line with market expectations.

Beijing commercial loan interest rate 2022

In 2022, the highest interest rate of commercial loans in Beijing was 4.9%, and the lowest interest rate was 4.35%.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.