Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.
The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.
2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate. Commercial banks will implement the new interest rate: if the loan term is more than one year, the loan interest rate will be adjusted once a year, and it will be 65438+ 10/0 in June. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.
From August, 2065438 to August, 2009, the national multi-city mortgage interest rate rose by 20%.
On the afternoon of May 20th, 2002/KLOC-0, Shenzhen Branch of the four major banks of Industry, Agriculture, China and Communications made it clear to Du Nan that the mortgage interest rate had been raised.