The general term is 1 to 3 years, and the loan interest rate is as follows:
Annual interest rate%
I. Short-term loans
Six months (inclusive) 5.22
Six months to one year (inclusive) 5.58
One to three years (inclusive) 5.76
2. What is the interest rate of ICBC housing loan in 2022?
2022 ICBC loan interest rate 1, short-term loan for six months (inclusive) 4.75 for three to five years (inclusive) 4.75 for more than five years 4.92, provident fund loan interest rate for less than five years (inclusive) 2.75 for more than five years 3.35 for six months to one year (inclusive) 4.
Mortgage conditions for buying a house: The mortgage for buying a house must meet the following conditions: 1. At least 18 years old, with full capacity for civil conduct; 2. Have a stable and legal source of economic income and the ability to repay the loan principal and interest on schedule; 3. Personal credit is good, and there is no bad record in the credit report. The 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 purchase price of the buyer; How to calculate the loan interest rate of ICBC? The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times or 1.05 times of the benchmark interest rate. Since 20 18, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The current benchmark interest rate was adjusted and implemented on July 7, 2008+2065438, and the interest rate over five years was 7.05%. After discount, the monthly interest rate is 7.05% 0.85/122,000, and the monthly repayment amount for 20 years (240 months) is 2,000,007.05% 0.85/12 (17.05% 0.85/12).
Third, what is the interest rate of mortgage consumer loans?
The mortgage interest rates applied by different banks are different, so we should find more banks and compare the highest prices.
The monthly interest rate of mortgage loans of Agricultural Bank of China and China Merchants Bank is about 0.65%, the monthly interest rate of short-term loans of Bank of Beijing in Bao Yue is 0.6 1%, the monthly interest rate of mortgage loans of Shanghai Pudong Development Bank and Huaxia Bank is 0.56%, the monthly interest rate of corporate mortgage loans of Industrial and Commercial Bank is 0.63%, and the monthly interest rate of mortgage loans of China Everbright Bank is 0.6 1%.
On the premise that the loan interest is low and the demand is solid, it will be bad if the loan application is rejected. The bank's mortgage benchmark interest rate is 0 15. The benchmark annual interest rate of the bank is less than one year (including one year), and the benchmark interest rate for five years (including five years) is 6.0%.
4. What is the personal housing loan interest rate of ICBC in 2022?
1. Short-term loans: the interest rate for loans within six months (including six months) is 4.35%, and the interest rate for loans within six months to one year (including one year) is 4.35%;
2. Medium and long-term loans: the loan interest rate for one to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%;
3. Personal housing provident fund loan: the loan interest rate for five years or less is 2.75%, and the loan interest rate for five years or more is 3.25%.
The above is the latest interest rate table of ICBC's 2022 mortgage.