At present, the annual interest rate of bank loans is as follows: within 6 months (including 6 months), the annual interest rate of loans from 6 months to 1 year (including 1 year) is 4.85%, and the annual interest rate of loans from 1 year to 3 years (including 3 years) is 4.85%. The monthly payment and total interest paid by the 20-year and 30-year equal principal and interest repayment methods are as follows: 20-year equal principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest paid is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc-.
What's the interest rate for the house loan?
There are two ways to buy a house by loan, namely commercial loan and personal provident fund loan. The interest rates are as follows:
1, the benchmark annual interest rate of commercial loans: 0-6 months (inclusive), and the annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (inclusive), with an 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%;
2. Benchmark interest rate of personal provident fund loans: the benchmark interest rate of short-term loans for less than five years including five years is 2.75%; The benchmark interest rate for long-term loans over five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.
The process of buying a house with a loan
1, learn about the credit information.
First of all, if you want to borrow money to buy a house, buyers should first check whether their personal credit information meets the loan conditions, and the exempted house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.
Step 2 know the bank
Before applying for a loan, the buyer can go to the bank for consultation and ask about the loan application conditions, interest rate, approval time and lending time, and then compare them to choose a bank with high cost performance.
Please click to enter the picture description (maximum 18 words).
20 14 what is the interest rate of ICBC's first home loan?
2014165438+122 October, the interest rate of ICBC's first home loan was the benchmark interest rate, with an annual interest rate of 6.55%. After 20 14,165438+10.22, the benchmark mortgage interest rate is 6. 15%.
At present, the annual interest rate of personal housing commercial loans for more than five years is 6.55%, and the monthly interest rate is 5.4583%. Loan 150,000 yuan,15 years, total 180 months. If the principal and interest are repaid in the same way, it should be 1, 3 1.78 yuan per month.
Housing commercial loan interest rate refers to the loan interest rate used to purchase houses, and its calculation formula is loan interest = loan amount, loan interest rate, loan term = loan amount, days and days, interest rate = loan amount, monthly and monthly interest rates = loan amount, annual interest rate.
Extended data:
20 14 central bank benchmark interest rate:
Project annual interest rate%
Six months (including six months) 5.60
Six months to one year (inclusive)
One to three years (inclusive) 6. 15
Three to five years (inclusive) 6.40
More than five years 6.55
The interest rate of 20 14 years is still the same as that of 13 years, but it will increase according to different years, and the loan interest of banks will also increase.