1. The first house. 1 to 5 years is 3.75%, and 6 to 30 years is 4.25%.
2. The second house. 1 to 5 years is 4. 125%, and 6 to 30 years is 4.675%.
The interest rate of provident fund deposits and loans is lowered.
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 22 10/2065. The benchmark interest rate for one-year loans of financial institutions was lowered by 0.4 percentage points to 5.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.75%. At the same time, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1. 1 times of the benchmark deposit interest rate to 1.2 times.
Affected by the lowering of the benchmark interest rate, Beijing Provident Fund Center also adjusted the deposit and loan interest rates, with individual provident fund deposit and loan interest rates lowered by 0.25% and pilot project loans lowered by 0.275% respectively.
The deposit interest rate of the provident fund in that year was 0.35%, and there was no change. The interest rate of the provident fund carried forward from the previous year was adjusted to 2.35%. With the adjustment of loan interest rate, the repayment pressure of buyers will also be reduced. 1-5 year loan interest rate is 3.75% after adjustment, and 4.25% after adjustment for 5-30 years.
The new interest rate will be implemented from 20 15 for the "old mortgage" with one year or more.
According to the relevant regulations of the central bank, individual housing provident fund loans with a term of less than one year (including one year) issued before 201165438+1October 22 (excluding), 20165438+/October 22. For individual housing provident fund loans with a term of more than 1 year, the original interest rate will still be implemented after 20165438+122, and the adjusted interest rate for individual housing provident fund loans will be implemented from 20 15 65438+ 10 (inclusive).
Wuhan second-hand housing provident fund mortgage implements new interest rate.
For individual housing provident fund loans issued after 2014165438+122 (inclusive), the adjusted interest rate for individual housing provident fund loans shall be implemented. For individual housing provident fund loans with different repayment methods, the new monthly repayment amount shall be determined according to the corresponding repayment formula. According to the regulations of the Provident Fund Center, for individual housing provident fund loans that have signed loan contracts and the loan date is after 2014165438+122 (inclusive), individual housing provident fund loans can only be issued after the borrower signs the notice of adjusting the loan interest rate.
If you want to see more comprehensively, go to Zhong Fang. com ...