According to the interest rate standard stipulated by the People's Bank of China. At present, the% annual interest rate implemented from July 7th of the reserve year is 3.708333‰, the annual interest rate for 6-30 years is 4.90%, and the monthly interest rate is 4.083333‰. More than 5 years, 4.9%

Second, the people's Bank of China personal mortgage loans

Hello, the mortgage is not approved by the People's Bank of China.

Individual housing loans need not be approved by the People's Bank of China, but only by the handling bank. However, when the bank approves the loan, it will check the applicant's credit report at the People's Bank of China.

Third, the latest news of central bank mortgage

Author Yang Zhijin, Kong, editor, China People's Bank authorized the National Interbank Funding Center to announce that on October 20th, 2023, the loan market quoted interest rate (LPR) was 3.65% for one year and 4.3% for five years and above. The above LPR is valid until the next LPR version. Due to the lowering of deposit interest rate in September, the market expects that the 5-year LPR may be lowered unilaterally in June 5438+ 10, but the LPR will remain unchanged. The reasons are as follows: First, the MLF interest rate remained unchanged at 5438+00 in June; Secondly, effective credit demand rebounded in September, so there is no need to reduce LPR again. Third, under the new interest rate transmission mechanism, the main purpose of lowering the deposit interest rate in September is to keep the spread stable; Previously, the lower limit of interest rate for the first suite was 5-year LPR minus 20BP. According to the latest notice of the central bank, since June 5438+00, many cities including Wuhan and Tianjin have adjusted the lower limit of the interest rate of the first suite to about 5-year LPR minus 40BP. In this context, although the 5438+00 LPR remains unchanged in June, the interest rate of the first home loan in many cities will still fall, and the interest rate of the first home loan in many places has entered the "third era". Why doesn't LPR change? From 2065438 to August 2009, the central bank promoted the market-oriented reform of loan interest rates. The reformed LPR will be quoted by the quotation bank on the 20th of each month (postponed in case of holidays) according to the best customer loan interest rate and the open market operating interest rate (mainly referring to the MLF interest rate which is convenient for medium-term lending). MLF interest rate is the medium-term policy interest rate of the central bank, which represents the marginal capital cost for the banking system to obtain medium-term base money from the central bank. The increase mainly depends on the bank's capital cost, market supply and demand, risk premium and other factors. In short, LPR equals MLF spread. On the morning of June 10, the central bank announced that in order to keep liquidity in the banking system reasonably abundant, on June 10 and June 17, 2023, the People's Bank of China launched 500 billion yuan medium-term loan facility (MLF) operation and 2 billion yuan open market reverse repurchase operation to fully meet the needs of financial institutions. The MLF term is one year, and the operating interest rate is 2.75%, which is the same as last time. LPR interest rate is linked to the multilateral fund interest rate. Under the background that MLF interest rate has not been adjusted, the pricing basis of 10 LPR quotation has not changed. This means that the probability of LPR will remain unchanged for 10 months. Secondly, the financial data improved obviously in September, and the effective demand for credit increased, so there is no need to reduce LPR again. "The financial data in September reflected that the domestic policy of saving the market and stabilizing growth was effective, the financing demand of the real economy improved significantly, and the monetary environment remained moderately loose, which continued to provide strong support for the economy. The data also shows that the marginal improvement of residents' medium and long-term loans reflects the signs that the property market has bottomed out. " Zhou, a macro researcher in the financial market department of China Everbright Bank, said. According to the data released by the central bank in June 65438+1October 65438+1October 0 1, the increase of social financing in September was 3.53 trillion yuan, an increase of 627.4 billion yuan year-on-year, and the market expectation was only 2.8 trillion yuan. Under the credit standard in September, RMB loans in that month increased by 2.47 trillion yuan, an increase of 8 1000 billion yuan year-on-year, and the total amount was significantly improved. Although classified, corporate loans, especially medium and long-term loans, are the main force supporting the high growth of credit. On the whole, credit demand replaced national debt in September, which became the supporting item of social financing increment. The credit structure has also improved significantly, and the financing demand of the real economy has rebounded. Previously, due to the downward adjustment of deposit interest rate in September, some market participants thought that there was the possibility of unilateral downward adjustment of 5-year LPR in June 5438+ 10. For example, after the deposit interest rate was lowered in late April this year, the 5-year LPR was unilaterally lowered by 15BP in May, but 1 year LPR remained unchanged. On September 15, the deposit interest rates of the five major banks were lowered. Among them, the current interest rate is lowered by 5 BP; Three-year lump-sum deposit and withdrawal and wi central bank data show that since the LPR reform, the interest rate of corporate loans has dropped from 5.32% in July 20 19 to 4.05% in August 2023, the lowest level since statistics. Judging from the new loan interest rate, the central bank's monetary policy report in the second quarter showed that the weighted average interest rate of corporate loans in June was 4. 16%, and the weighted average interest rate of individual housing loans was 4.62%. Generally speaking, the risk of individual housing loans is lower than that of enterprise loans, while the former is higher than the latter mainly because of the need to strictly control real estate. However, the current real estate market is weak, and it is necessary to further reduce the housing loan interest rate by unilaterally lowering the five-year LPR. However, at the end of September, the central bank has allowed some areas to lower or cancel the lower limit of the first home loan interest rate. In some places, the interest rate of the first home loan has been lower than 4%, so it is less necessary to reduce the five-year LPR. On September 29th, the People's Bank of China and the Banking Regulatory Commission of China issued the Notice on Adjusting the Differentiated Housing Credit Policy by Stages, and decided to adjust the differentiated housing credit policy by stages: for cities where the sales price of newly-built commercial housing continued to decline in the same month from June to August 2023, the lower interest rate limit of the first commercial individual housing loan will be relaxed by stages before the end of 2023, and the lower interest rate limit of the first new local housing loan will be maintained, reduced or cancelled before the end of 2023. Before the adjustment, the lower limit of the interest rate of the first home commercial loan was 4. 1%, and the five-year LPR was negative 20BP. This adjustment has opened the way for further exploration of mortgage interest rate. In some places and even some strong second-tier cities, the interest rate of the first home loan has exceeded 4%, entering the "third era". As of 10 and 19, the interest rate of the first home loan in Shijiazhuang, Guiyang, Tianjin, Wuhan and Yichang 10 cities within the monitoring scope of RealData has dropped to three prefixes. Among the second-tier cities, the first home loan interest rate in Kunming dropped to 3.95%, the first home loan interest rates in Wuhan, Tianjin and Guiyang dropped to 3.9%, and the first home loan interest rate in Shijiazhuang dropped to 3.8%. Among the third-and fourth-tier cities, Qingyuan has the lowest interest rate, which has dropped to 3.7%. Among the cities that meet the phased targeted interest rate reduction policy, there are still cities including Dalian, Harbin, Wenzhou and Quanzhou with mortgage interest rates of 4. 1%, and there is no room for callback in the later period. In addition to commercial loan interest rates, the interest rates of provident funds in various places have also been lowered. Since June 65438+1 October1day, 2023, the central bank has decided to reduce the interest rate of the first set of personal housing provident fund loans by 0. 15 percentage points, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3.1%respectively; The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively. Subsequently, cities followed suit and lowered the interest rate of provident fund loans. On the whole, according to the RealData monitoring, the mainstream interest rate index of the first and second home loans in 103 key cities continued to decline, and the average mainstream interest rate of the first home loan was 4. 12%, down 3 basis points from the previous month; The average interest rate of the second home loan was 4.9 1%, which was the same as last month, and decreased by 162BP and 109BP respectively compared with the highest point of last year. The lending period of the bank in June 5438+ 10 was 26 days, which was basically the same as that of last month. The average lending period in first-tier cities is 30 days, 24 days in second-tier cities and 26 days in third-tier cities. Liu, a market analyst at RealData, said that the phased interest rate cuts on the first home loan, coupled with the relaxation of restrictions on purchases and loans, will significantly reduce the purchase cost of first-time buyers, accelerate the decision-making of buyers, and help increase market transactions. Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that the opening of the era of low mortgage interest rates will indeed boost the property market in the fourth quarter. At present, the interest rate of 3.9% is the most suitable. Of course, commercial banks will continue to adjust in some cities with relatively high pressure, but it will take some time to adjust to 3.7%. From the aspects of moderate and controllable domestic prices, sufficient policy space, good overall performance of bank profits and stable asset quality, LPR still has room for downward adjustment. However, the future adjustment needs to be based on the overall situation of macroeconomic recovery, real economy financing and bank interest margin pressure. "Said to weeks. END related questions and answers: Hebei mortgage interest rate latest interest rate table in 2022, the latest loan interest rate of Hebei Bank in 2023. Project annual interest rate (%) 1. Short-term loans within six months (including six months) 4.35 6 months to one year (including one year) 4.35 2. Medium-and long-term loans of one year to three years (including three years) 4.75 3 years to five years (including five years) 4.75 years or more. Personal housing provident fund loans for less than five years (including five years) 2.75 for more than five years 3.25: Interest rate is the price that the borrower needs to pay for the money lent, and it is also the return that the lender gets by delaying consumption and lending to the borrower. Interest rate refers to the ratio of interest amount to the amount of borrowed funds in a certain period, which is usually calculated as the percentage of one-year interest to principal. It is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. Interest rate refers to the ratio of interest amount to total loan capital in a certain period. Interest rate is the interest level of unit currency in unit time, indicating the amount of interest. Economists have been trying to find a set of theories that can fully explain the structure and changes of interest rates. Interest rates are usually controlled by the national central bank and managed by the US Federal Reserve. So far, all countries regard interest rate as one of the important tools of macro-control. When the economy is overheated and inflation rises, it will raise interest rates and tighten credit; When the economy is overheated and inflation is controlled, interest rates will be lowered appropriately. Therefore, interest rate is one of the important basic economic factors. Interest rate is an important financial variable in economics, and almost all financial phenomena and financial assets are related to interest rate to some extent. At present, countries all over the world frequently use interest rate leverage to implement macro-control, and interest rate policy has become the main means for central banks to adjust the supply and demand of money and then regulate the economy. Interest rate policy plays an increasingly important role in the monetary policy of the central bank. Reasonable interest rate is of great significance to social credit and the economic leverage of interest rate, and the calculation method of reasonable interest rate is our concern. Interest rate affects the level of interest rate, which mainly includes the marginal productivity of capital or the relationship between supply and demand of capital. In addition, there is the length of time promised to send money and the degree of risk taken. Interest rate policy is the main means of western macro-monetary policy. In order to intervene in the economy, the government can indirectly adjust the domestic inflation level by changing interest rates. During the depression, lower interest rates, expand the money supply and develop the economy. In the period of inflation, we should raise interest rates, reduce the money supply and curb the vicious development of the economy. So the interest rate has a great influence on our life. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal.

4. Will the bank auction the only suite under my name if the mortgage is owed?

Only one house that is still paying the mortgage can be auctioned. If the number of overdue repayments reaches 6 times or more, the bank will safeguard its rights and interests through legal means. If the bank and the borrower fail to negotiate, the bank will auction the mortgaged property through legal procedures. Auction process:

1, the bidder shall pay the deposit to the person;

2. The bidder shall go through the bidding procedures at the auction institution with the bank statement and people's financial receipt;

3. After the auction is completed, the auction institution shall make an auction confirmation and an auction report.

4. The auction institution shall, within three working days after the end of the auction, hand over the confirmation letter, auction report and related materials to the people's foreign entrusted management department.

5. After the auction is completed, the buyer shall remit all the price to the designated account within the time limit specified by the client;

6. Pay the auction agent commission.

7. After the buyer has paid all the price, the business department shall make a ruling and deliver it to the buyer within 10 working days, and handle the delivery procedures of the auction property within 15 working days after the ruling is delivered.