20 18 commercial loan interest rate table: zheshang bank 4.13%; Uob 5.02%; Minsheng Bank 5.02%; HSBC 5.19%; Woori Bank 5.25%; China Construction Bank 5.31%; China Bohai Bank 5.31%; Hang Seng Bank 5.31%; Agricultural Bank of China 5.31%; Bank of Communications 5.31%; ICBC 5.31%; Postal savings bank 5.31%; China Merchants Bank 5.43%; Bank of China 5.43%.

The actual commercial loan interest rate that can be applied for is the comprehensive pricing made by the applicant bank in combination with the factors such as the business type, personal solvency, credit status and guarantee method, and the personal commercial loan interest rate can only be determined after approval.

Calculation of commercial loan amount: The maximum commercial loan amount cannot exceed the difference between the total house price minus the down payment. Loan amount = total house price _ total house price × down payment ratio.

The bank will calculate and determine the maximum loan amount according to the borrower's monthly repayment ability. Loan amount = monthly family income _ repayment ability after living expenses and other expenses/monthly repayment amount per 10,000 yuan within the corresponding loan period.

20 18 benchmark loan interest rate

20 18 benchmark loan interest rate:

1. Short-term loan: within one year (including one year), with annual interest rate of 4.35%;

2. Medium and long-term loans: the annual interest rate is 4.75% for one to five years (including five years); The annual interest rate for more than five years is 4.90%;

3. Personal housing provident fund loan: the annual interest rate for five years and below is 2.75%; The annual interest rate for more than five years is 3.25%.

The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower limits of interest rates stipulated by the Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.

Housing commercial loan interest rate 20 18

When buying a house, many people can't pay off all the house payment in one lump sum, so they will choose to take commercial loans from banks. Before making commercial loans, you need to know the interest rates of commercial housing loans of major banks. So what is the commercial housing loan interest rate of 20 18? Next, let's take a look at Bian Xiao.

I. 20 18 year central bank benchmark interest rate

According to the latest interest rate adjustment of the Bank of China. We make a commercial housing loan. If the loan term is within 1 year, then its interest rate is 4.35%. If we apply to the bank for a short-term commercial loan of 1 to more than 5 years, then its interest rate is 4.75%. If you apply for a long-term loan for more than five years, the interest rate is 4.9%.

Second, the commercial loan interest rates of major banks.

The commercial loan interest rate of most banks in China is implemented according to the commercial loan interest rate of the central bank. For example, major banks such as industry and commerce, agriculture, construction, investment promotion, Shanghai Pudong Development Bank, China Everbright Bank, CITIC Bank, Ping An Bank and Huaxia Bank. Some banks will adjust the benchmark interest rates set by the central bank, such as Bank of Communications, China Everbright Bank, China Guangfa Bank and Minsheng Bank. And will set the benchmark interest rate set by the central bank with the rediscount rate as the lower limit.

Shenzhen Development Bank, Harbin Bank and Hang Seng Bank will raise the benchmark interest rates set by the central bank. For example, Hang Seng Bank's short-term loan interest rate is 5.6% within six months, and if it is a commercial loan within six months to 1 year, its interest rate is 6.0%. If you apply for a commercial loan from Hang Seng Bank for one to three years, the interest rate is 6. 150%. If the loan term is three to five years, its interest rate is 6.40%. If the loan term is five years, its interest rate is 6.55%.

Three. Banking policy

The loan interest rate of banks will also be affected by policies. Usually, the loan interest rates of major domestic banks for the first suite are discounted. The discount strength may be different in different regions. For example, we list loans with a maturity of more than five years. In Nanjing, Changsha, Xiamen, Wuhan and other regions, the lowest interest rate for the first suite is 10%, and the interest rate is 4.4 1%. In Zhengzhou, Hangzhou, Chongqing and other regions, the lowest interest rate for the first suite is 15%, and the interest rate is 4.38%. If you buy a second home, most banks will adjust their mortgage interest rate to about 1. 1 times the benchmark interest rate, that is, 5.39%.

Bian Xiao concluded: Bian Xiao introduced the interest rate of commercial housing loans at 20 18. Different banks have different preferential policies for the interest rate of the first home commercial loan. When handling commercial housing loans, it is best to ask if there are any preferential policies first.

What is the mortgage interest rate of 2o 18?

The mortgage interest rate of 20 18 is:

1, bank loan:

Since the central bank cut interest rates on 20 17 and 10 in June, the benchmark interest rates currently implemented by banks are: the interest rate for loans with a term of less than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; More than five years is 4.90%. In 20 18 years, banks will also implement this benchmark interest rate.

At present, 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. According to the latest data from Bank Information Port, 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%.

2. Provident fund loans

The benchmark interest rate of provident fund loans is 3.25%, and the interest rate of second home loans generally rises 10%.

The second suite is defined as the second suite where the borrower's family (including the borrower, spouse and minor children) determines the mortgage times and has used provident fund loans or commercial loans to purchase houses. A family consists of three kinds of people: individuals, spouses and minor children. As long as a family has an outstanding mortgage, it is called a second loan to buy a house.

Extended data:

Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.

The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate. Commercial banks will implement the new interest rate: if the loan term is more than one year, the loan interest rate will be adjusted once a year, and it will be 65438+ 10/0 in June. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted.

The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate.

Commercial banks will implement the new interest rate: from 20 13 10, so that mortgage borrowers can reduce the pressure. But each commercial bank can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.