The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. The loan interest rate of all real lending institutions should be based on the benchmark interest rate of central bank loans and float appropriately.

The central bank loan interest rate 19 is as follows:

1, commercial loan

1) 1 year, the interest rate is 4.35%;

2) 1-5 years, the interest rate is 4.75%;

3) For more than 5 years, the interest rate is 4.9%.

2, personal housing provident fund loans

1) Within 5 years, the interest rate is 2.75%;

2) For more than 5 years, the interest rate is 3.25%.

What is the mortgage interest rate of 20 19?

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When buying a house with a loan, people should not only care about the down payment ratio, but also care about the loan interest rate, because it is directly related to the monthly repayment amount. So what is the interest rate of 20 19 mortgage? How to calculate the mortgage interest rate? Let's take a closer look with Bian Xiao!

What is the mortgage interest rate of 20 19?

The loan interest rate announced by the central bank on 20 19 is: 0-6 months, with an annual interest rate of 4.35%; 6 months-1 year, with an annual interest rate of 4.35%; 1-3 years, with an annual interest rate of 4.75%; 3-5 years, with an annual interest rate of 4.75%; 5-30 years, with an annual interest rate of 4.90%.

How to calculate mortgage interest rate:

The bank's loan interest rate is determined according to the credit situation, collateral and national policies. If all aspects are evaluated, the bank's mortgage interest rate will be different. 20 1 1 Due to financial constraints and other reasons, the benchmark interest rate for the first home loan of some banks is 1. 1 times or 1.05 times.

However, from 2065438+February 2002, most banks adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, a number of banks began to implement the first home loan interest rate concessions. The highest interest rate concessions of some banks can reach 15% discount. At present, the benchmark interest rate implemented by the bank is 201July 6, 2, and the adjusted five-year interest rate is 6.55%, and the monthly interest rate is 6.55%/ 12. Monthly repayment of 200,000 years (240 months): 200,000 * 6.55%/ 12 *. Total interest:1497.04 * 240-200,000 =159,289.6 yuan; Description: 240 is the power of 240.

Summary: Well, the knowledge about the mortgage interest rate of 20 19 and how to calculate the mortgage interest rate is over. If you need more information, please continue to pay attention to Qijia. We will provide you with better and more exciting content later.

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What is the loan interest rate of 19?

The loan interest rate of 19 generally rises on the basis of the benchmark interest rate of the central bank, and the floating rate of each bank is not exactly the same. It is recommended to consult the staff of the business hall directly.

The benchmark interest rate of China People's Bank 19 loan is as follows:

1. If the loan term is less than one year, the interest rate is 4.35%.

2. The loan term is 1 to 5 years, and the annual interest rate is 4.75%.

3. If the loan term exceeds 5 years, the interest rate is 4.90%.