The fixed interest rate of Shanghai Pudong Development Bank mortgage can be lowered.

The interest rate of mortgage loan can be changed. If the quasi-interest rate is adjusted, the repayment amount will also be adjusted, but the floating (or downward) interest rate remains unchanged during the loan period. If the benchmark interest rate is adjusted, the loan interest rate will fluctuate on the basis of the new interest rate. As for when the mortgage interest rate can be adjusted. If the basis changes, but the floating range remains the same, it is nothing more than the adjustment of interest rates. No matter how it is adjusted, it has no effect on the interest paid, only

Of course. According to the regulations of the People's Bank of China, banks should negotiate with customers to change the interest rate pricing method agreed in the original contract into a bonus method based on LPR, and may not apply for adjusting the mortgage interest rate before August 3, 20201. Generally, the benchmark interest rate shall prevail, but it can be. The mortgage interest rate is adjusted by the central bank according to relevant policies, and buyers cannot apply for adjustment. Whether it's choice

2. What is the loan interest rate of Chengdu property buyers?

1. Benchmark interest rate of commercial loans: 1 year 4.35%, 1-5 years 4.75%, 5 years or more 4.90%;

2. Benchmark interest rate of provident fund loans: 1-5 years, 2.75%, 5 years and above, 3.25%.

Loan interest rates of some banks in Chengdu:

Industrial and Commercial Bank of China, the commercial loan interest rate for the first suite is 4.3%, and the commercial loan interest rate for the second suite is 4.9% (the first set has not been settled) /4.3% (the first set has been settled). Portfolio loans are not supported for the time being, and the income certificate needs to cover 2.2 times of the monthly payment;

Minsheng Bank, the commercial loan interest rate of the first suite is 4.3%, and the commercial loan interest rate of the second suite is 4.9% (the first set has not been settled) /4.3% (the first set has been settled), and the income certificate needs to cover twice the monthly payment;

Shanghai Pudong Development Bank has a commercial loan interest rate of 4.3% for the first suite and 4.9% (the first set has not been settled) /4.3% (the first set has been settled) for the second suite. Portfolio loans are not supported, and the income certificate needs to cover 2.2 times of the monthly payment;

Bank of Chengdu, the commercial loan interest rate of the first suite is 4.3%, and the commercial loan interest rate of the second suite is 4.9% (the first set has not been settled) /4.3% (the first set has been settled), which supports portfolio loans.

The price of new homes in Chengdu led the increase in April, and the first home loan remained at 4.3%.

It is worth noting that according to the data of the National Bureau of Statistics, in June, it was 5438+0 1. From the perspective of specific cities, the price of new houses increased year-on-year in Hangzhou, ranking first, with 6.6%, and Beijing ranked second, with 5.5%. Chengdu ranked third with 5. 1%; Judging from the chain-on-chain increase, the price of new houses in Chengdu rose by 1% chain-on-chain, leading the country for four consecutive months.

3. What is the latest mortgage interest rate of Shanghai Pudong Development Bank?

In general, the annual interest rate of housing loans fluctuates around 4.35%, while the annual floating interest rate is about 10%. The benchmark mortgage interest rate of Shanghai Pudong Development Bank is 4.9%, but the mortgage interest rate varies with the deposit period. The housing loan interest rate is 4.35% within six months (including six months), 4.35% from six months to one year (including one year) and 4.75% from one year to three years (including three years). The interest rate is 4.75% for three to five years (including five years) and 4.9% for more than five years. The interest rate of provident fund loans is 2.75% for three to five years (including five years) and 3.25% for more than five years.

Fourth, Shanghai Pudong Development Bank mortgage interest rate

In 2020, the loan interest rate of Shanghai Pudong Development Bank will change according to different loan forms and loan periods. Interest rates are mainly divided into the following categories: 1, provident fund loans: three to five years (inclusive), loan interest rate of 2.75%, and loan interest rate of more than five years of 3.25%. 2. Housing loan: the loan interest rate is 4.35% within six months (inclusive), 4.35% from six months to one year (inclusive), 4.75% from one year to three years (inclusive), 4.75% from three years to five years (inclusive) and 4.90 for more than five years. 3. Automobile loan: the loan interest rate is 4.35% within six months (inclusive), 4.35% within six months to one year (inclusive), 4.75% within one year to three years (inclusive), 4.75% within three years to five years (inclusive) and 4.90 over five years. 4. Consumer loan: the loan interest rate is 4.35% within six months (inclusive), 4.35% from six months to one year (inclusive), 4.75% from one year to three years (inclusive), 4.75% from three years to five years (inclusive) and 4.90 for more than five years. 5. The loan interest rate within half a year (inclusive) is 4.35%, and the loan interest rate from half a year to one year (inclusive) is 4.35%. 6. Operating loan: the loan interest rate is 4.35% within six months (inclusive), 4.35% for six months to one year (inclusive) and 4.75% for one year to three years (inclusive). First of all, according to official website of Shanghai Pudong Development Bank, if users want to apply for provident fund loans, the interest rate for three to five years (inclusive) is 2.75%; The interest rate over five years is 3.25%. ① If the user wants to apply for a pure commercial loan, according to official website, the interest rate within six months (inclusive) is 4.35%; The interest rate for six months to one year (inclusive) is 4.35%; The interest rate for one year to three years (inclusive) is 4.75%; The interest rate for three to five years (inclusive) is 4.75%; The interest rate over five years is 4.90%. However, according to the news, the mortgage interest rate in most areas of Shanghai Pudong Development Bank has risen 15%-24% on the basis of LPR interest rate. The benchmark interest rate of the central bank is 4.65%, so if 15%-24% is raised, the mortgage interest rate of Shanghai Pudong Development Bank is likely to be between 5.3% and 5.7%. ② Taking Nanjing as an example, the interest rates of first home loans of six banks, including Bank of Nanjing, Shanghai Pudong Development Bank, Postal Savings Bank, China CITIC Bank, Bank of Guangzhou and Industrial Bank, were all raised by about 20 basis points. Suppose the total mortgage price of users is about 3 million, the down payment is 30%, the interest rate is raised by about 20 basis points, and the monthly mortgage repayment will be about 267 yuan more. In addition to the rise in mortgages, the threshold for applying for mortgages has also increased. Some people say that the official attitude of "not using real estate as a short-term economic means" is very firm. It can be expected that it will still be very difficult to apply for a mortgage in the second half of this year.