The latest mortgage interest rate is based on the national benchmark interest rate, and the floating range is between 10%-20%. The national benchmark interest rates are as follows:

I. Commercial loans:

1. Within one year, the benchmark loan interest rate is 4.35%.

2. Within one to five years, the benchmark loan interest rate will be 4.75%.

3. For more than five years, the benchmark loan interest rate is 4.90%.

1. What is the current mortgage interest rate?

Up to now, the benchmark mortgage interest rate implemented by major banks is: loan 1-3 years, which is 4.75%; Loans for more than 5 years are 4.9%. Different banks can make appropriate adjustments according to the bank's own situation and the applicant's personal credit information. Mortgage interest rate refers to the use of real estate in bank loans, according to the provisions of the interest rate to pay interest. The mortgage interest rate in China is constantly changing, in the form of rising interest rates. So it often happens before and after raising interest rates.

Second, how to calculate the interest on the house loan now?

1. If you buy a house for the first time and use a commercial loan to buy a house, you can get a loan of 70% of the appraised house price for your family. If it is the first time to buy a house, if you use the provident fund loan to buy a house, you can borrow 80% of the appraised price of the house (within 90 square meters, 70% of the loan over 90 square meters).

2. The calculation method of down payment for house purchase is: down payment = total house payment-customer loan amount. Loan amount = contract price (market price) ×80% (the maximum loan amount can reach 80%).

3. According to the existing standards for the implementation of 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 of 90 square meters and below shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90 square meters shall not be less than 30%.

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Second, provident fund loans:

1, annual interest rate of provident fund loans for less than five years: 2.75%.

2. Annual interest rate of provident fund loans for more than five years: 3.25%.

Article 13 Determination of loan interest rate: The lender shall determine the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.