Interest rates in developed countries: Denmark: -0.5%, Japan 1.4 1%, Finland 1.48%, Switzerland 1.6 1%, Slovakia 1.65%. The interest rates of developing countries are: Argentina: 39.3 1%, Turkey: 2 1.82%, Vietnam: 6%, Thailand: 5.75%, Malaysia: 4.8%: 1. What is the down payment ratio of mortgage? The down payment ratio of the first home mortgage is 20%-30%, the down payment ratio of the second home mortgage is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions. The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; The third suite is not allowed to buy a house with the current loan. When buying a new house and a second-hand house, the calculation of loan down payment is very different. When handling a new house loan, the down payment shall be based on the market price at the time of purchase, and the loan proportion shall be determined according to the number of personal loans and the credibility of personal loans. 2, provident fund loan families, if it is the first time to buy a house, can loan 80% of the assessed price of the house (within 90 square meters, 70% above 90 square meters). Note: If the provident fund is not rated, you can only borrow 800,000 yuan at most, but it depends on the amount and proportion of your provident fund deposit. Calculation method of down payment for the first suite: down payment = total house price-customer loan amount = contract price (market price) ×80% (the first loan amount can be up to 80%). Generally speaking, according to the existing implementation standards for the first suite, the down payment ratio of commercial loans for new houses is 30%, the down payment ratio of provident fund loans for the first suite is less than 90%, and the down payment ratio of housing provident fund loans for more than 90% shall not be less than 20%.
2. What is the mortgage interest rate in 2020?
In 2020,
Provident fund housing loans are still subject to the benchmark interest rate of central bank loans. Among the benchmark interest rates set by the central bank, provident fund loans are: less than five years (including five years): 2.75%; More than five years: 3.25%.
As for the commercial housing loan interest rate, it is based on the LPR of the same period in the last month (the plus sign can be negative).
LPR will be re-priced every month, like 2020: 1 year: 3.85%; More than 5 years: 4.65
Regarding the basic point, the regulations of different regions and different banks will be different. Like the announcement issued by the central bank, it is mentioned that the loan interest rate cannot be lower than the corresponding term LPR；; ; The interest rate of two sets of personal commercial housing loans cannot be lower than the corresponding term LP.
In Beijing, the mortgage policy stipulates that the minimum interest rate of the first commercial personal housing loan is LP, and the minimum personal housing loan is LPR plus 105 basis points.
Take Beijing as an example. When a customer applies for a commercial loan, it is 4.65%0.55% (one basis point equals 0.0 1%)=5.2%.
Interest rate refers to the ratio of gold in a certain period of time. Interest rate is the main factor that determines the capital cost of an enterprise, and it is also a necessary condition for studying the financial environment of an enterprise.
Interest rate refers to the amount of interest due for each loan, and the coupon interest depends on the total principal, interest rate, frequency of compound interest and the length of loan, deposit or loan.
Interest rate is the return that borrowers need to delay consumption from their lenders and lend to borrowers. The interest rate is usually calculated by the percentage of one-year interest to the principal.
In terms of expression, interest rate refers to the ratio of interest amount to total loan capital in a certain period. Interest rate is the interest level of unit currency in unit time, and the table is dedicated to finding a complete set. Interest rates are usually controlled by the national central bank and managed by the US Federal Reserve. So far, all countries regard it as one of the important tools of economic regulation.
When interest rates are high and credit is tight; When the economy is overheated and inflation is controlled, interest rates will be lowered appropriately. Therefore, interest rate is one of the important basic economic factors. Interest rate is an important financial variable in economics, and almost all financial phenomena are more or less related.
At present, countries around the world frequently use interest rate leverage to implement macro-control, and interest rate policy plays an increasingly important role in the monetary policy of major central banks to further regulate the economy.
Interest rates are also used to control, for example, investment, inflation and unemployment rate, which in turn affects economic growth. Reasonable interest rate is of great significance to social credit and economic leverage of interest rate.
During the depression, lower interest rates, expand the money supply and develop the economy. In the period of inflation, we should raise interest rates, reduce the money supply and curb the vicious development of the economy. So the interest rate has a great influence on our life.
3. What is the current mortgage interest rate in the United States?
There are many factors that affect a person's mortgage interest rate, mainly including
(1) Credit score, 750 is the best, with no bad record.
(2) is the loan period. The United States has a mortgage of 30 years, 20 years, 15 years. Generally speaking, the lower the number of years, the better the interest rate. If you choose a 30-year mortgage, the interest rate should be around 3.5%.
(3) Fixed interest rate or floating interest rate, usually floating interest rate is better than fixed interest rate. The floating interest rate can be divided into three years, five years, seven years or 10 years. If you float for five years, you can get an interest rate of about 2.65% in the first five years. However, due to the current low mortgage interest rate in the United States, the weak advantages of the first five years will be easily offset in the long run, and fixed-rate loans are more cost-effective.
(4) Other factors, such as new self-occupied housing, no further loan, down payment exceeding 20%, etc.
4. What is the mortgage interest rate of CCB?
Commercial loan interest rate:
Short-term loan, within 1 year (including 1 year), with annual interest rate of 4.35%.
Medium and long-term loans, 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; For more than 5 years, the annual interest rate is 4.9%.
2. Personal housing provident fund loan interest rate: less than 5 years (including 5 years), with an annual interest rate of 2.75%; For more than 5 years, the annual interest rate is 3.25%.