In 20021year, the benchmark interest rate of one-year (including one-year) loans of China People's Bank was 4.35%, and the benchmark interest rate of one-year loans of financial institutions was lowered by 0.25 percentage point to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.5%.
The deposit interest rates of major banks fluctuate around the benchmark interest rate of the central bank. The following is the benchmark deposit interest rate of China People's Bank 202 1, which is divided into demand deposit benchmark interest rate and time deposit benchmark interest rate.
Current deposit is 0.35%.
Time deposit. There are three deposit methods for time deposits: 1, lump-sum deposit and withdrawal; 2. Lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, and deposit and withdrawal interest; 3. Life and work.
1, lump-sum deposit and withdrawal. The benchmark interest rate for three-month lump-sum deposit and withdrawal is1.1%; Half-year benchmark interest rate1.3%; One-year benchmark interest rate1.5%; The benchmark interest rate for two years is 2.1%; The three-year benchmark interest rate is 2.75%.
2. lump-sum deposit and withdrawal, deposit and interest. The one-year benchmark interest rate is1.1%; Three-year benchmark interest rate 1.3%.
3. Life and work. One-time discount at the same grade interest rate within one year.
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124, to further reduce the social financing costs. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy.
Starting from that day, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit. At the same time, in order to increase the positive incentives for financial support for "agriculture, rural areas and farmers" and small and micro enterprises, the deposit reserve ratio will be reduced by 0.5 percentage points for eligible financial institutions. The benchmark interest rates for other grades of loans and deposits will be adjusted accordingly. (This interest rate is the latest bank interest rate in 2022 and the new benchmark interest rate for bank deposits and loans)
What is the interest rate of Beijing mortgage commercial loan?
Mortgage commercial loan interest rate:
Short-term loans within one year (including one year) are 4.35%.
The medium and long-term loans for one year to five years (including five years) are 4.75%. More than five years is 4.90%.
personal housing accumulation fund loan
The five-year period (inclusive) is 2.75%.
More than five years is 3.25%.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee.
After passing the examination, the bank promises to issue loans to the buyers. According to the house sales contract provided by the buyers and the mortgage loan contract signed between the bank and the buyers,
Real estate mortgage registration notarization, the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Consortium lending
Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.
Loan amount: 80% of the value of the loanable property after being audited by the bank.
Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
way
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.
Guarantee fee
In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.
Application material
1. The borrower's valid ID card and household registration book;
2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
What is the mortgage interest rate in Beijing?
The interest rate of the first home loan in Beijing is 5.60% within one year (including one year), 6.00% for one to five years (including five years) and 6. 15% for five years and above.
If individuals apply for provident fund loans, the interest rate of provident fund loans will be different from before. Because the interest rate of provident fund loans has also dropped. The interest rate of the provident fund first home loan is 4.25% for housing provident fund loans for more than five years and 3.75% for housing provident fund loans for less than five years. The above is the relevant content of the interest rate of the first home loan in Beijing in 2022.