Based on 202 1, 65438+February 3 1 adjusted by the central bank, the mortgage interest rate will be reduced to 4% in 2023, and the house will be re-priced.
The latest mortgage interest rates in 2022 are as follows: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, 2.75% for housing provident fund loans for less than five years (including five years) and 3.25% for more than five years.
Assuming that the housing loan cost is 200,000 yuan and the loan principal remains unchanged for 20 years, lpr floating interest rate pricing is selected. If it is fixed at 0. 1%, the interest rate of housing loan in 2022 will be 4.75%.
The repricing amount is 65438+ 10 month 1 every year, that is, 1. If the interest rate of the upgraded lpr over five years is 4.3% on February 20, 2022, then new housing loans will be issued throughout the year after the repricing of 65438+10/0/in 2023. 2. The mortgage interest rate is 4.75% in 2022, and the monthly mortgage repayment = 1, 292.45 yuan. In 2023, the new interest rate will be 4.4%, the monthly payment will be = 1254.53 yuan, and the monthly payment will be reduced by 37.92 yuan.
What is the annual interest rate of bank loans?
1. What is the annual interest rate of bank loans?
Annual interest rate of bank loans: for loans within six months (including six months), the benchmark interest rate of RMB loans is 4.35%; The annual interest rate of loans for six months to one year (including 1 year) is 4.35%; The annual interest rate of loans for one year to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans over five years is 4.90%. Find the law network to remind everyone that the bank makes certain adjustments according to the actual situation.
2. What is the difference between the annual interest rate and the monthly interest rate of bank loans?
The difference between annual interest rate and monthly interest rate of bank loans is as follows:
The conversion period of 1. is different.
The monthly interest rate refers to the percentage of interest and principal calculated every month, and the annual interest rate refers to the percentage of interest and principal calculated every year. Generally speaking, the annual interest rate is a few percent (%); And the monthly interest rate is a few thousandths (‰).
2. The monthly and annual interest rates of loans are calculated in different ways.
Annual interest rate: refers to the interest rate of one-year deposits or loans; Annual interest rate12 = monthly interest rate. The monthly interest rate refers to the one-month deposit or loan interest rate; Monthly interest rate × 12= annual interest rate. For example, the annual interest rate is 6%; The interest rate in Na Yue is 6%12 = 5%.
The conversion relationship between monthly interest rate and annual interest rate is: monthly interest rate = annual interest rate/12, and the corresponding annual interest rate can be calculated by monthly interest rate × 12.
3. The interest of the loan is different.
Banks can use product interest method and transaction interest method to calculate interest.
3. What is the annual interest rate of bank loans?
Bank loan annual interest rate simple interest refers to the interest calculated according to the fixed principal, which is a way to calculate interest. The calculation of simple interest depends on the amount (principal) of the loan or loan, the length of the use of the asset and the general annual interest rate in the sales market.
Three-year loan interest rate
The benchmark interest rate for loans recently announced by the People's Bank of China is as follows:
I. Short-term loans
The loan term is within six months (including six months) and the interest rate is 4.35%;
The loan term is six months to one year (including one year), and the interest rate is 4.35%;
Second, medium and long-term loans
The loan term is one to three years (including three years) and the interest rate is 4.75%;
The loan term is three to five years (including five years), and the interest rate is 4.75%;
The loan term is more than five years and the interest rate is 4.9%.
During the repayment period of the borrower's loan, if the benchmark loan interest rate changes, or the bank where the borrower lends changes the loan interest rate, the borrower's loan interest rate will not be affected in the year when the interest rate changes, and the borrower's loan will be implemented according to the adjusted loan interest rate in the second year after the loan interest rate is adjusted.
Since 20 15, 10124 October, the central bank has cut interest rates by 0.25 percentage points and RRR by 0.5 percentage points. The central bank also announced the liberalization of the floating ceiling of deposit interest rates. However, the relevant person in charge of the central bank stressed that the abolition of administrative restrictions on interest rate fluctuations does not mean that the central bank will no longer manage interest rates, and interest rate marketization will enter a new stage.