19 said that the bank announced a rate hike. I want to buy a house recently. Does this interest rate hike have an impact on mortgage? What is the interest rate before and after the bank (commercial loan) raises interest rates? 1. Whether the first home loan is 30% off is not directly related to the interest rate increase, but depends on the policies of the CBRC and banks. The current policy is that the first suite does not enjoy a 30% discount, but it is said that there are still several small banks that can achieve the first set of 30% discount. Specifically, you can ask the intermediary, they are very clear;

2. After raising interest rates, it will have an impact on the mortgage, and the monthly payment will be different:

For example, in the form of equal repayment, the total loan amount is 6,543,800 yuan, and the loan term is 30 years. If it is the first suite, the interest rate is calculated at 30%, then the monthly payment before the interest rate increase is 4865.69 yuan; After the interest rate increase, the monthly payment is about 4,947.54 yuan, an increase of about 80 yuan. If the interest rate of the second suite rises by 10%, the monthly payment before the interest rate increase is about 6343.06 yuan; After the interest rate increase, the monthly payment is about 6488.64 yuan, increasing by 145 yuan.