Based on 202 1, 65438+February 3 1 adjusted by the central bank, the mortgage interest rate will be reduced to 4% in 2023, and the house will be re-priced. The latest mortgage interest rates in 2022 are as follows: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for five years and above, 2.75% for housing provident fund loans for five years and below, and 3.25% for five years and above. Assuming that the cost of housing loan is 200,000 yuan and the principal of the loan remains unchanged for 20 years, the floating interest rate of lpr is selected for pricing, and the increase is 0. 1%, which remains unchanged. In 2022, the interest rate of Holleridge housing loan will be 4.75%. The repricing amount is 65438+ 10 month 1 every year, that is, 1. If the interest rate of the upgraded lpr over five years is 4.3% on February 20, 2022, then new housing loans will be issued throughout the year after the repricing of 65438+10/0/in 2023. 2. In 2022, mortgage interest rates's income was 4.75%, and the monthly payment was = 1, 292.45 yuan. In 2023, the new interest rate will be 4.4%, the monthly payment will be = 1254.53 yuan, and the monthly payment will be reduced by 37.92 yuan.
Second, how much is the interest on bank mortgage?
Discounts are almost extinct. Mortgage interest rates rose across the board. On the interest rate of the first home loan in Shenzhen, only HSBC has a 15% discount, and the interest rate has reached 6.22%. State-owned banks fluctuate between the benchmark (6.55%) and five points above the benchmark. Small and medium-sized commercial banks 1. 1 times is very normal, and some even go to 1.3 times. Specifically, among the big state-owned banks, CCB, BOC and BOCOM rose five points to 6.88%; ICBC and ABC implemented the benchmark interest rate of 6.55%.
Three. Mortgage interest rates of major banks in Yiwu in February 2022
At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
4. What is the latest mortgage interest rate of major banks in 2022?
Mortgage interest rates of major banks in 2022
Within one year, including one-year short-term loans, the central bank's benchmark interest rate is 4.35%; From one year to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%; For long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%.
If it is a personal provident fund loan, including short-term loans of less than five years, the benchmark interest rate of the central bank is 2.75%; For long-term loans of more than five years, the benchmark interest rate of the central bank is 3.25%.