The latest news of Weifang mortgage interest rate can be found in Baidu: annual interest rate%

Since June 65438+1 October1day, 2022, the central bank has lowered the interest rate of the first personal housing provident fund loan by 0. 15 percentage point, and adjusted the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are not less than 3.025% and 3.575% respectively.

2023 Weifang Bank Mortgage Interest Rate Table Inquiry

According to the latest LPR, on February 20th, 2022, the LPR of 1 year was 3.65%, and that of those over five years was 4.3%. Of course, loans over five years are mainly for mortgages, so for property buyers, they only need to pay attention to the five-year LPR, and the benchmark is 4.3%.

According to the notice issued by the central bank on May 15, 2022, the lower limit of the interest rate of the first set of commercial personal housing loans was adjusted to be no less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the lower limit of the second set of commercial personal housing loans was implemented according to the current regulations.

Before the adjustment, the lower limit of the first home loan interest rate is the quoted interest rate of the loan market for the corresponding term, and the second set is LPR60 basis points. According to the latest loan market quoted interest rate (LPR) on February 20th, 65438, 1 year LPR is 3.65%, and 5-year and above LPR is 4.3%.

This means that if the loan is used to purchase the first ordinary self-occupied house, the interest rate of commercial personal housing loan is not less than 4. 1% (LPR is 4.3% minus 20 basis points for 5 years and above).

Although LPR may have been talked about a lot, I think it is necessary to remind you of a few points.

The same LPR, but different cities have different algorithms and different degrees of implementation.

Actual mortgage interest rate (65438+February) =5-year LPR interest rate (65438+February).

After adding some points, the actual mortgage interest rates in various places are basically the same as the original floating interest rates: in most cities, the first set of interest rates rose slightly, the second set of interest rates fell slightly, and mortgages became slightly more expensive.

On September 29, 2022, the relevant departments of our country announced that they would adjust the laws and regulations of differentiated housing credit in stages. Eligible cities can independently maintain, reduce or cancel the lower limit of the interest rate of the first set of newly issued local housing loans before the end of 2022.

According to the new regulations, the lower limit of the first set of commercial personal housing loan interest rate will be relaxed in stages before the end of 2022 for cities where the sales price of new commercial housing continues to decline from June to August 2022. The lower limit of the interest rate of two sets of commercial personal housing loans shall be implemented according to the current laws and regulations.

The above is the official website interest rate of Weifang Bank for the whole country in 2023, but in fact, the listing interest rate of the bank will be slightly higher than that of official website, and the listing interest rate of each city may be different.

Cause of the epidemic, bank loan policy and interest rate adjustment time

Under the epidemic situation, whether the mortgage can be postponed, whether it can be adjusted and submitted after the deadline, and whether the interest rate can be lowered have aroused social concern. In this regard, the reporter contacted and interviewed a number of banking institutions in the province.

On April 8th, a mortgage borrower called China Bank Jinan Lixia Sub-branch. Affected by the epidemic, he has been locked out of the province since March 9, and his income has been affected. According to the business plan during the epidemic, the bank extended the loan for the borrower by confirming the information through video after providing the isolation certificate and other certificates.

The reporter learned from six major state-owned banks and some joint-stock banks that banks have generally implemented the policy of deferred repayment of personal housing loans for four key groups, namely, those who are hospitalized or isolated due to COVID-19 infection, those who need to be isolated due to epidemic prevention and control, those who participate in epidemic prevention and control, and those whose incomes are affected by the epidemic, which shows that financial services should be at the proper temperature.

Judging from the situation of various banks, the support policies for deferred repayment are basically the same, but there are differences in terms of duration and specific operations. Among them, the grace period varies from 1 1-30 days, and the grace period of ICBC is 30 days. After the grace period, customers can choose equal payment or one-time payment according to the situation. The extended loan term is between 1-6 months. During the extended period, interest will be calculated normally, and no penalty interest will be charged.

According to the staff of Weifang Branch of China Everbright Bank, the longest extension of the bank's loan is no more than 3 months, during which there is no need to repay, but the interest is normal, and the loan period is extended accordingly according to the application extension; During the extension period, the interest will be paid in one lump sum on the first repayment date after the extension period, and the principal will be shared equally in future repayment plans.

The process of applying for extension is not complicated. A number of banks said that eligible residents can call the national customer service phone of the loan bank or contact the account manager directly to register. Under normal circumstances, tier-two branches at the prefecture level have the authority to examine and approve, and it will be approved within 1-2 working days.

What if the borrower is overdue due to the epidemic?

In March, the Ten Measures for Financial Services to Support Epidemic Prevention and Control and Stable Economic and Social Development issued by our province mentioned that financial institutions should reasonably adjust the submission of overdue credit records. If the repayment is not made in time due to the epidemic situation, the relevant overdue loans may not be submitted as overdue records, and those submitted may be adjusted.

In this regard, the relevant person in charge of Shandong Provincial Association said that farmers, individual industrial and commercial households and small and micro enterprises that are temporarily unable to repay the principal and interest on time due to the epidemic will implement the overdue record protection policy, and the rural commercial banks will make adjustments according to the credit correction procedures.

According to the relevant person in charge of Shandong Branch of Bank of China, this year, the bank issued the Notice on Actively Doing a Good Job of Customer Credit Objection during the Epidemic Period. If the credit investigation is overdue due to the failure to repay the loan in time or the failure to apply to the bank for adjusting the repayment plan in time, the handling bank will submit an objection handling application to the Head Office in time after the customer repays the loan arrears or the handling bank voluntarily completes the loans overdue zero adjustment.

The reduction of mortgage interest rate will also reduce the burden on buyers.

Following the reduction of mortgage interest rates by some banks in Tai 'an, Linyi and Yantai in March, recently, banking institutions in Rizhao, Liaocheng, Weifang, Jining, Weihai, Dezhou and other places also generally lowered the personal housing loan interest rate by 20 to 45 BP (basis point).

The reporter called a business outlet of China Industrial and Commercial Bank Rizhao Branch, and the manager of its personal loan department said: "The interest rate of housing loans has dropped a lot compared with the previous period. The interest rate for the first home has dropped from 5.3% in February to 5. 1%, and the lowest interest rate for non-first home loans is 5.2%. At present, all ICBC outlets in the city are handled according to this interest rate. Our bank's mortgage line is sufficient. As long as the procedures are complete, the loan can be issued as soon as possible. "

According to the person in charge of Liaocheng Branch of Agricultural Bank of China, "the minimum annual interest rate of the first suite can reach 5%, and the minimum annual interest rate of the second suite can reach 5.2%, which is 20 BP lower than the end of 2002/KLOC-0."

Some banks in Jining have the largest downward adjustment this time. In the early stage, the average interest rates of the first suite and the second suite of Jining Bank were 5.4% and 5.6% respectively. After this downward adjustment, it is estimated that the interest rate of the first suite will average 5%, and the interest rate of the second suite will be lowered to 5.2%, by 40 BP and 45 BP respectively.

Many banking institutions in Weihai and Dezhou reported that the current policy lower limit of individual housing loan interest rate is that the first home loan should not be lower than LPR, and the second home loan should not be lower than LPR60BP. It is in line with this requirement for commercial banks to lower the mortgage interest rate. The loan amount of each bank is relatively sufficient, the lending speed is improved, and there is no queuing phenomenon.

It is understood that since March, due to the weakening market demand, banks in more than 100 cities across the country have independently lowered their mortgage interest rates, with an average range of 20 to 60 BP.

Interest rate of second-hand housing loan in Weifang in 2022

Six percent. In 2022, the interest rate of the second home loan in Weifang was 5.9%. The first home loan was generally around 5.5%, and the second home loan was about to "break 6". At present, the interest rate of the first suite of ICBC is 5.5%, and the interest rate of the second suite is 5.9%. The interest rate of the first suite of CCB is 5.5%, the interest rate of the second suite is 5.9%, and the second suite is about to "break 6".

202 1 Weifang mortgage interest rate

The interest rate of the first suite is not less than 4.6% (the loan market quotation rate), and the loan of the second suite is not less than 5.2% (the loan market quotation rate is 60 basis points). In Weifang, many banks have lowered the mortgage interest rate to meet this requirement.

How much is the interest of Weifang Gaomi first home loan for 23 years?

According to the latest policy of Weifang Municipal Government, the interest rate of the first home loan in Weifang Gaomi is 4.9%, of which the interest rate of commercial loans is 4.75% and the interest rate of provident fund loans is 4.9%. In addition, Weifang also offers a variety of preferential loan policies, which can help you reduce the loan interest.

The latest news about Weifang's first home loan interest rate and Weifang's first home loan interest rate 2023 is over. I wonder if you found the information you need from it?