The latest mortgage interest rate in 2022: Since the central bank cut interest rates in March 2020, the benchmark interest rate currently implemented by banks is:

The interest rate for one year and below is 3.85%;

The interest rate for one year to five years (including five years) is 4.65%;

For more than five years, it is 4.65%

In 2022, banks are also implementing benchmark interest rates.

housing mortgage loan

Housing mortgage interest rates are classified by use, and the mainstream ones are roughly divided into two categories:

1, mortgaged real estate business:

The interest rate is 0.5% lower than the benchmark interest rate according to the policies of major banks and the specific situation of borrowers.

2. Personal consumption for the purpose of mortgaged property:

When the mortgaged property is used for personal consumption, the benchmark interest rate will generally rise 10%~30%.

Take the benchmark interest rate 202 1 released by the central bank as an example.

The interest rate for one year and below is 3.85%;

The interest rate for one year to five years (including five years) is 4.65%;

More than five years is 4.65%.

If the property mortgaged by the lender is used for business, the loan interest rate will fluctuate by 0.5% on the benchmark interest rate according to the policies of major banks and the specific situation of the borrower.

If the lender uses the mortgaged property for personal consumption, the loan interest rate will generally rise 10%~30% on the basis of the benchmark interest rate.

How to calculate the mortgage interest?

The calculation of mortgage interest only needs to know the four elements of mortgage principal, loan term, mortgage interest rate and repayment method.

1, mortgage principal

According to the purchase price and loanable ratio, for example, the house price is 800,000, and the highest loanable ratio is 80%, then the mortgage principal is 640,000.

2. Term of loan

The longest term of mortgage is generally 30 years. The longer the loan term is chosen, the more mortgage interest will be generated.

3. Mortgage interest rate

First home provident fund loan 1-5 years 2.75%, 5-30 years 3.25%;

Commercial loan for the first home, with a minimum LPR of-0.2% in the same period. According to the updated data on August 20th, 2022, the LPR of 1 year is 3.65%, that of 5 years or more is 4.3%, and the lowest interest rate of commercial loans over 5 years is 4. 1%.

4. Repayment method

Matching principal and interest, matching monthly payment, and the monthly repayment pressure is relatively average;

In the average capital, the monthly repayment of the principal is equal, and the monthly interest decreases in turn, so the repayment pressure in the early stage is high and the repayment pressure in the later stage is low.

The total interest generated by matching principal and interest is more than the average capital.

5. Specific calculation of mortgage interest

Assuming that the mortgage principal is 600,000 yuan, the loan term is 30 years, it is the first suite, and the minimum mortgage interest rate is implemented, then:

Provident fund loan:

Under the equal principal and interest method, mortgage interest = 340,045.65 yuan, about 340,000 yuan;

Under the average capital method, the mortgage interest = 2933 12.5 yuan, about 293,300 yuan.

Commercial loans:

Under the principal-interest matching method, the mortgage interest = 443,708.48 yuan, about 443,700 yuan;

Under the average capital method, mortgage interest = 370,025 yuan, about 370,000 yuan.

What is the mortgage interest rate of the house now?

1. What is the interest rate of bank mortgage loan?

1. 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%;

2. The interest rate needs to be comprehensively evaluated in combination with business varieties, credit status, guarantee methods and other factors, and can only be determined after being approved by the handling outlets.

Second, the amount of housing mortgage loans.

1. The amount of house mortgage loan is related to many factors, such as the age of the house, the age of the borrower, the liquidity and liquidity of the property, etc. In short, all these will affect the appraisal value and loan ratio of real estate. The higher the assessed value of real estate and loans, the more money you can borrow. The appraised value of real estate and the loan ratio will affect the loan amount of the house.

Calculation formula of mortgage loan amount: loan amount = real estate appraisal value × loan ratio.

2. The age of real estate has become the audit standard for many banks to issue loans. Under normal circumstances, the longer the house age, the smaller the appreciation and preservation space of the house, the lower the proportion of loans granted, and may even not grant loans. For houses with remote locations and small areas, the loan ratio is generally low. Because the location is remote, the area is small, and the liquidity of the property is even worse, the loan ratio is low, and even the loan may not be available.

3. Generally, there is no fixed amount of mortgage loan. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what you think, so it must be evaluated by a professional organization. It also depends on the specific situation of your house, such as age, region, property rights and so on. Occasionally I will look at your personal situation, such as repayment ability and personal credit limit.

Third, the steps of housing mortgage loan

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).

How much is the interest of mortgage loan with real estate license?

① 6. 10% short-term loans for more than six months (inclusive);

② 6.56% from half a year to one year (inclusive);

③ 6.65% for one to three years (inclusive);

④ Three to five years (inclusive) 6.90%;

⑤ 7-year loan interest rate with a maturity of more than 5 years.

Difference between housing mortgage loan and housing mortgage loan

1. Cost variance: mainly in interest rate. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Because the policy is tight and the quota is limited, the interest rate rises instead of falling. However, the increase of mortgage is lower than that of mortgage.

2. Different subjects of legal relationship: in a mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal subjects, namely the mortgagor (bank), the mortgagor (buyer) and the third party (original owner).

3. Different preconditions: the borrower needs to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy houses or for other purposes. However, mortgage loan is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise of the purchased house provides phased guarantee, but it can only be used for buying a house.

Mortgaged and unsecured

1. From the nature of the loan, it is a credit loan, and the mortgage loan is a guarantee (or guarantee) loan;

Second, in terms of loan interest rate, the interest rate will be much higher than the mortgage interest rate. The general interest rate will be 2-3 times that of the mortgage.

Third, the loan period is relatively short, generally not more than three years. The mortgage period can be long or short, and one year can be as long as 20 years. The repayment pressure is small.

Four. Judging from the loan amount: the amount is generally small, and it is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

Mortgage loan mainly determines the loan amount according to the value of collateral. If the loan amount is relatively large, the repayment ability of the lender should also be considered.

5. In terms of loan issuance time, the approval time is short, and the loan can be obtained in 3-5 days; It takes 2-3 weeks from the approval-mortgage registration to the issuance of mortgage loans.

What is the general interest rate for mortgage bank loans?

If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. 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. At present, the benchmark interest rate basically rises by 40-50%, that is, the annual interest rate is 6.86%-7.35%.

Generally, the interest rate of mortgage loans from banks with real estate licenses is around 4.35%. According to different houses and lenders, the interest rate of mortgage loans will be different, subject to the actual lending rate.

Real estate license to apply for mortgage loan needs to meet the following conditions:

(1) China citizen with legal status, aged 18-65 years old (inclusive), with full capacity for civil conduct;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There are legal and effective collateral certification materials; (such as real estate license, land certificate, etc. )

(4) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

(5) Being able to provide effective guarantee recognized by the lending bank;

(6) Other conditions stipulated by the lending bank.