Mortgage interest rates of major banks in 2022

Within one year, including one-year short-term loans, the central bank's benchmark interest rate is 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 central bank's benchmark interest rate is 3.25%.

2. What is the interest on buying a house with a commercial loan?

Generally speaking, there are two repayment methods for mortgage, namely, matching principal and interest and average capital. The corresponding calculation method of interest is as follows: 1, repayment of equal principal and interest: interest = [loan principal × monthly interest rate× (1monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months -65438. 2. Equal principal repayment: interest = (repayment months 1)× loan principal× monthly interest rate ÷2. If calculated according to the benchmark interest rate of 4.9% for loans over five years announced by the central bank, the 20-year loan 1 10,000. Matching principal and interest repayment, the monthly repayment is 6544.44 yuan, with the same monthly repayment amount. In the case of equal principal repayment, the first month needs to repay 8250.00 yuan, the second month needs to repay 8232.99 yuan, and the last month needs to repay 4 183.68 yuan, with an average monthly principal repayment. However, the specific mortgage interest rate should be consulted with the bank. Mortgage loan, also known as mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Housing loan Personal housing loan refers to a loan issued by a bank to a 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 Personal housing entrusted loan refers to the loan granted by banks to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to requirements. Also known as provident fund loans. Self-operated loans 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. Portfolio loan Personal housing portfolio loan refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. 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.

3. What is the mortgage interest rate of rural commercial banks?

The loan interest rates of different rural commercial banks are different and cannot be generalized. But they are all based on the benchmark interest rate announced by the People's Bank of China, and the real interest rate may rise. Loans are divided into short-term loans, long-term loans and provident fund loans. Take China People's Bank as an example: short-term loans: the annual interest rate is 4.35% for one year and within one year, and 4.9% for five years (including five years). Provident fund loan: 5% for less than five years, and 3.25% for less than five years.

Since July 20th, 20 13.

Cancel the lower limit of 0.7 times the loan interest rate of financial institutions, and let financial institutions independently determine the loan interest rate level according to commercial principles.

The loan interest rate of rural credit cooperatives is no longer capped and can be adjusted freely.

The bank loan interest rate is fundamental, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite or not).

There are two ways to calculate bank loan interest:

Matching principal and interest loan

The monthly repayment amount is the loan cost multiplied by the monthly interest rate multiplied by (1 monthly interest rate) multiplied by the number of repayment months (1 monthly interest rate) multiplied by the number of repayment months and finally subtracted by 1.

half-and-half

The monthly repayment amount is (months) plus (principal minus accumulated repayment amount) and finally multiplied by the monthly interest rate. The calculation method of matching principal and interest loan is complicated and difficult. Generally speaking, it is necessary to repay more loan interest rates for the golden loan period. The loan principal amount and loan interest rate fluctuate according to the central bank's benchmark loan interest rate, and the fluctuation range is determined by the applicant's qualification. I suggest you consult the rural commercial bank before applying for a loan, if you have already made a loan reference loan contract.

There are various types of bank loans. For example, according to the different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans; According to different repayment methods, it can be divided into demand loans, term loans and overdrafts; According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan and commodity mortgage loan, and can also be divided into wholesale loan and retail loan.

4. What is the mortgage interest rate of commercial banks?

Loan interest = loan principal loan interest rate

Eight months can only be calculated at the interest rate of one year.

The one-year benchmark interest rate is 5.3 1%.

Medium-and long-term loans for one to three years (inclusive) 5.40 Three to five years (inclusive) 5.76 More than five years 5.94