At present, some stock banks in Tianjin have raised the interest rate of the first home mortgage from the original 4.95%(LPR30BP) to 5. 10%(LPR45BP) since July, with an overall increase of15bp; The interest rate of the second home loan has not changed at present, which is 5.25%(LPR60BP). In the first half of the year, there was news that mortgage interest rates were raised in all cities. Super-first-tier cities such as Guangzhou bear the brunt, followed by other first-tier cities including Suzhou and Wuhan.

In May, the four major banks in Suzhou officially announced that the interest rate of the first home loan was raised to 5.7%. Since June 1, the highest rates for the first suite and the second suite in Wuhan have reached 5.88% and 6.03% respectively. In addition, some cities such as Hangzhou, Hefei, Nanjing and Chongqing have stopped lending second-hand houses. Generally speaking, the mortgage interest rate of 202 1 is an overall upward trend, which is naturally better for users who drive in the morning, but if you feel that the mortgage interest rate is too high now and you are not in a hurry to buy a house, you can continue to wait and see. But the most important thing is that during this period, applicants and repayment partners remember to protect their credit information and qualifications.

What is the calculation formula of mortgage interest?

Average capital

It is to divide the total loan into equal parts during the repayment period, and repay the equal principal and interest generated by the remaining loans in the current month every month.

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

Features: Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.

Average capital plus interest

During the repayment period, the same amount of loans (including principal and interest) will be repaid every month.

Monthly repayment amount = [loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Features: Compared with the repayment method in average capital, the disadvantage is that there are more interests. The interest in the initial repayment period accounts for most of the monthly contributions. With the gradual return of the principal, the proportion of the principal in the contributions increases. However, the monthly repayment amount of this method is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income.

How to inquire about the housing loan interest rate in bank of tianjin?

2022 bank of tianjin Mortgage Interest Rate Table Inquiry

According to the latest LPR, on September 20th, 2022, the LPR for 1 year was 3.65%, and that for five years or more was 4.3%. Of course, loans of more than five years are mainly for mortgages, so for property buyers, they only need to pay attention to the five-year LPR, and the benchmark is 4.3%.

According to the notice issued by the central bank on May 15, 2022, the lower limit of the interest rate of the first set of commercial personal housing loans was adjusted to be no less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the lower limit of the second set of commercial personal housing loans was implemented according to the current regulations.

Before the adjustment, the lower limit of the first home loan interest rate is the quoted interest rate of the loan market for the corresponding term, and the second set is LPR60 basis points. According to the latest loan market quotation (LPR) on September 20th, the LPR of 1 year is 3.65%, and that of 5 years and above is 4.3%.

This means that if the loan is used to purchase the first ordinary self-occupied house, the interest rate of commercial personal housing loan is not less than 4. 1% (LPR is 4.3% minus 20 basis points for 5 years and above).

Although LPR may have been talked about a lot, I think it is necessary to remind you of a few points.

The same LPR, but different cities have different algorithms and different degrees of implementation.

Actual mortgage interest rate (65438+February) =5-year LPR interest rate (65438+February).

What is the interest rate of the first home loan in Tianjin?

The interest rate of the first home loan in Tianjin is 4.4%.

1.202 1 Tianjin housing purchase conditions, down payment, loans and other policies. 1. Rules for identifying the first and second houses. At present, the policy implemented in Tianjin is: the family is the unit to recognize housing and loans, and the number of housing loans in Tianjin is the unit to families. Description of the number of loans in the name: a. The real estate is only recognized in this city, and the loan records are networked nationwide. B. the number of non-residential loans does not count. C. There are two loans in the family name.

Two, housing mortgage loans are divided into commercial loans, provident fund loans and portfolio loans.

(1) down payment ratio, loan term and loan interest rate of commercial loans

1. Local registered families, single local registered families and foreign registered families (Tianjin social security for two years) can buy the first home. The down payment ratio is 30%, the longest loan period is 25 years, and the loan interest rate is 30 basis points higher than LPR.

2. Local registered families, single local registered families (only for purchasing Binhai New Area) and foreign registered families (only for purchasing Binhai New Area after two years of social security in Tianjin) can buy two houses. The down payment ratio is 60%, the loan term is 25 years, and the loan interest rate is 60 basis points higher than LPR.

3. Families with three or more sets of local household registration, single local household registration and foreign household registration (Tianjin social security has been completed for two years) can only buy in Binhai New Area, and the full amount is required.

Three, the common problems in personal housing commercial loans

(1) Due to the strict policy of restricting purchases and loans, basically all banks in the Tianjin market are implementing the same interest rate policy at present, so it makes little difference which bank to choose for mortgage. If it is in the normal free competition environment, the preferential interest rate of mortgage: joint-stock banks and state-owned banks of urban rural commercial banks, that is, everyone can give priority to asking small banks whether they have more favorable interest rate policies in the process of mortgage.

(2) Qualification requirements of the main lender A. Age: At present, the requirement in prime bank is that the borrower's age plus the loan period should not exceed 75 years old, and some banks have more relaxed requirements. The borrower's age plus the loan period is no more than 85 years old, which can basically meet the housing needs of people of all ages. B requirements for residence and workplace: at present, most banks have no special requirements for residence and workplace, and they can work or live in other places. Some banks will require foreign customers to have local accounts. C. Income: Generally, it is required that the monthly repayment of all individual houses under the name of the borrower's family should not exceed 50% of the family's monthly income. If a person's income does not meet the requirements, the income of his spouse, parents (in-laws) and children can be included in the calculation, and the spouse, parents (in-laws) and children can apply for a loan together with the repayment.

(3) The mortgage processing cycle ranges from two weeks to two months;

(4) Precautions in the process of mortgage handling A. Don't apply for other loans, don't click on links such as online loan application or quota inquiry, and don't apply for credit card installment. B.don't jump ship. C. don't change your marital status. D. don't have bad credit such as overdue repayment.

Tianjin commercial loan interest rate

Tianjin commercial loan.

1, the loan term is within one year (including one year), and the interest rate is 4.35%;

2. The loan term is one to five years (including five years) and the interest rate is 4.75%;

3. The loan term is more than five years, and the interest rate is 4.90%.

Tianjin mortgage interest rate 2023

The latest policy of mortgage interest rate in 2023 is as follows:

In 2023, the down payment and interest rate in some cities may exceed the lower limit.

In cities where the sales price of newly-built commercial housing has decreased for three consecutive months, the lower limit of the local first home loan interest rate policy can be maintained, phased down or cancelled.

Specifically, there are three main points:

1, house prices fell for three consecutive months.

2. Only the lower limit of the first home loan interest rate can be adjusted.

3. If the house price rises for three consecutive months, the lower limit of the national unified interest rate will be restored.

This policy is actually a continuation of the mortgage interest rate policy in 2022.

Policy analysis:

Judging from the trend of LPR in 2022, in August, the LPR for five years and above dropped to 4.3, and the interest rate of the first home loan could be as low as 4. 1%.

Then, on September 29, 2022, the central bank and the China Banking Regulatory Commission decided to adjust the differentiated housing credit policy in stages. Eligible city governments can independently decide to maintain, reduce or cancel the lower limit of the first set of local new housing loan interest rates before the end of 2022.

According to statistics, among the 70 large and medium-sized cities at that time, there were at least 23 eligible cities, including 8 second-tier cities such as Tianjin and 5 third-and fourth-tier cities such as Wenzhou and Yueyang.

After the introduction of the policy, many places responded positively. For example, Jining, Huanggang and Qingyuan adjusted the lower limit of the first home loan interest rate from LPR minus 60 basis points to LPR minus 35 basis points, and Jiangmen and Zhanjiang even cancelled the lower limit of the interest rate.

However, the "929 New Deal" does not play an obvious role in regulating market expectations and pulling transactions. For example, the housing prices of new houses in Jining and Zhanjiang announced by the Bureau of Statistics continued to grow negatively. According to CRIC data, the transaction area of commercial housing in Qingyuan in the fourth quarter decreased by 63% and 20% respectively.

The policy issued by the central bank and the China Banking Regulatory Commission is a further upgrade of the 929 policy. The biggest difference is two points. First of all, the 929 policy only has a three-month probation period, and the New Deal has not yet set a deadline. Second, the New Deal set up an exit mechanism to restore the lower limit of the national unified interest rate after three consecutive rises in house prices.

According to statistics, there are currently 38 eligible cities among 70 large and medium-sized cities.

Judging from this new policy, the signal that the credit policy will continue to be loose in 2023 is obvious, especially for those who just need to buy a house, which will provide further protection and support.

It should be noted that the "exit mechanism" established by the New Deal, that is, to restore the unified interest rate after three consecutive rises in house prices, is intended to show that the main tone of the current policy is still to seek stability rather than irrational rise.

The introduction of commercial loan interest rate for housing in Tianjin ends here.