The benchmark annual interest rate of ICBC's mortgage is 5.94%.
ICBC's mortgage interest rate fluctuates according to the benchmark interest rate of central bank loans, with a fluctuation range of 0.5 to 2 percentage points, and the actual fluctuation range is determined by ICBC.
2. What is the mortgage interest rate of ICBC in 2022?
In 2022, the interest rate of ICBC's commercial mortgage is 1. For commercial loans, the benchmark lending rate for loans within one year (including one year) is 4.35%, that for ICBC is 4.86%, that for loans from1to five years (including five years) is 4.75%, and that for ICBC is about 5.40%. All loans over five years are long-term loans. 2. Provident fund loans: the loan interest rate for loans with a loan term of less than 5 years (including 5 years) is 2.75%, and the loan interest rate for loans with a loan term of more than 5 years is 3.25%. : 1. Process of handling mortgage to buy a house loan; 1. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time, the repayment method and other rights and obligations. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued; 2. Buyers can sign pre-sale contracts with developers or their agents, requiring buyers to apply for life insurance. Handle mortgage registration, insurance, term, interest rate, sales contract, and choose real estate; 4. Confirm whether the real estate built by the developer has the support of the bank to ensure the smooth acquisition of mortgage loans, and the bank should guard against loan risks; 5. Under normal circumstances, because the mortgage loan period is relatively long, apply for a mortgage loan; 6. Sign a house purchase contract as the buyer's purchase price. Second, the loan purchase method 1, housing provident fund loans: For residents who have participated in the housing provident fund deposit, low-interest housing provident fund loans should be the first choice. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half. 2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan. 3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
3. What is the mortgage interest rate of ICBC?
According to the same fixed annual interest rate in the previous three years, China Everbright Bank: 5.6%/ year, China Construction Bank: 5.8 1%/ year, Bank of China: 5.62%/ year, Industrial and Commercial Bank of China: 5.63%/ year and China Merchants Bank: 5.58%/ year, which should be the most favorable for China Merchants Bank. However, if you choose the biweekly payment of CCB, the interest will definitely be less, because it actually takes up bank funds for a short time. Example: the monthly salary is 3000 yuan. If you pay it back at the end of the month, it means that you borrowed money from the bank for one month and paid interest for one month. If you pay twice a week, half of the money will be spent for half a month and the other half for a month. Of course, you will pay less interest.
4. What is the interest rate of ICBC's 7-day notice deposit in 2022?
The types of notice deposits are divided into 7-day notice and 1 day notice, which indicates the number of days that the bank needs to be notified in advance when the deposit is withdrawn.
2. The notice deposit shall bear interest according to the corresponding interest rate published by the bank on the withdrawal date and the actual deposit period, and the interest shall be settled with the principal.
3. If the notice deposit has been notified but the notice is cancelled within the notice period, no interest will be accrued during the notice period.
4. For those who have gone through the notice deposit procedures and do not withdraw at maturity, the bank will no longer bear interest from the notice maturity date. The interest rate of ICBC's 7-day notice deposit is 1.62%, and the after-tax interest of your deposit is = 50000.001.62%/3601080% =18.00 (Yuan).