Halxiang Xinyuan sincerely hopes that Binbin's latest mortgage interest rate is as follows:
1. By April 2023, the interest rate statistics of the first loan in Tan Xiaofang: the benchmark interest rate rose by about 5%, that is, about 4.65%.
2. As of April 2023, the interest rate of the second home loan is calculated: the benchmark interest rate rises by about 10%, which is about 4.95%.
Which bank does Harbin buy a second-hand house loan?
The following banks:
1, China Industrial and Commercial Red Card Bank (ICBC).
2. China Construction Bank.
3. Agricultural Bank of China.
4. Bank of China.
5. Bank of Communications. These banks are large commercial banks in China, which have a wide distribution network and rich financial products in Harbin, and have certain credibility and professionalism. When choosing a bank, many factors need to be considered, such as interest rate, repayment method and amount. And compare it with unfilial bank in order to find the loan scheme that best suits your needs.
Down payment ratio of second-hand housing loans in Harbin
Legal subjectivity:
1. The down payment of second-hand housing mortgage loan is not fixed. Different situations also affect the down payment amount of second-hand housing mortgage loans. 2. Apply for a second-hand housing mortgage loan. If the applicant borrows money to buy the first suite, the down payment chain for applying for second-hand housing mortgage loan in this case shall not be less than 30%. If the applicant already has a house in his name and has applied for a second-hand housing mortgage loan, it will be regarded as a second suite. In this way, the down payment ratio will increase, and the down payment is required to be no less than 60%. 3. The down payment of second-hand housing mortgage loan is related to the total price of second-hand housing besides the first house, grandson and second suite. 4. Although the down payment is proportional, the actual amount of down payment for second-hand housing mortgage loans will be different due to the different total price of second-hand housing. 5. For the first housing loan, the down payment is 20% (the area is in 144_) and 30% (the area is in 144 _), but it must be the bank's evaluation price (the interest rate is 15% off, depending on the bank, each bank is different). Like some cities with high housing prices, it is generally 40%- 6. Therefore, the down payment of personal second-hand housing mortgage loan is not uniform, depending on the individual's application for second-hand housing mortgage loan. Moreover, different banking policies will be somewhat different. It is best to consult the local loan bank before applying for a second-hand housing mortgage loan.
Harbin's first home loan interest rate is the latest
1-5 years (including 5 years) 2.6%; More than five years 3. 1%.
According to the latest official data of Harbin Real Estate, the interest rate of the first home loan in Harbin is 1-5 years (including 5 years) 2.6%; More than five years 3. 1%.
Housing loan is a mortgage loan, and the purchaser fills in the application form for housing mortgage loan to the bank, and provides the certificates that must be submitted according to legal documents such as ID card, income certificate, housing sales contract and guarantee. After passing the examination, the bank promised to issue loans to property buyers.
How much can Harbin's first home loan borrow?
The first home loan in Harbin cannot exceed 80% of the house value. With the increase in the amount of provident fund loans in Harbin, applicants need to "calculate the details" in advance: from July 1 day, 2022, the upper limit of provident fund loans for single-person and double-person housing in Harbin will be increased, and the amount of the first home loan will not exceed 80% of the house value; The loan amount for purchasing two dilapidated houses shall not exceed 70% of the house value. Therefore, the first home loan in Harbin cannot exceed 80% of the house price.
How much is Harbin mortgage for a month?
"Mortgage clan" welcomes good news! In the whole year of 2022, the LPR over five years was lowered three times, which prompted the mortgage interest rate in Bingcheng to continue to fall. Starting from June 5438+ 10 this year, some existing mortgage interest rates in Harbin began to be re-priced, which saved a lot of monthly expenses for buyers. According to the calculation of property buyers, the monthly payment of his million-dollar mortgage has been declining in the past five years, and now it is less than a month in 400 yuan.
LPR is lowered three times a year, and this month, "mortgage owners" began to enjoy the new interest rate of existing mortgages.
According to the latest LPR data in 2022, the LPR of 1 year is 3.65%, and the LPR of more than 5 years is 4.3%, both of which are the same as last month. Since 2022, LPR***, which is closely related to the mortgage interest rate, has experienced three downward adjustments. According to the data released by the People's Bank of China, the National Interbank Funding Center is authorized to announce the quoted interest rate (LPR) of the loan market. In 2022, the LPR over five years will be lowered from 4.65% to 4.3% on October 20th, May 20th and August 22nd, 2022, with a total reduction of 35 basis points.
The policy was issued from 2065438 to August 2009, and the LPR is calculated according to the quotation of the newly formed mechanism. Under the new LPR mechanism, the mortgage interest rate is changed from the fixed "central bank loan benchmark interest rate ×( 1 floating ratio)" to the loan market quoted interest rate (LPR) as the pricing benchmark, that is, the mortgage interest rate = "LPR fixed basis point", so as to calculate the monthly payment.
There are two ways to reprice mortgage interest rates:
First, the annual 1 October 65438+1October1day is recalculated according to February 20th of the previous year, 65438 plus LPR;
Second, the repricing date is the corresponding date of the loan issuance date. On each repricing date, the interest rate level is recalculated and determined by the corresponding term LPR of the latest month and the above added value.
Ice City "mortgage family" enjoys the policy dividend, and the monthly payment has dropped by more than 400 yuan in five years.
On May 15, 2022, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Relevant Issues Concerning the Adjustment of Differentiated Housing Credit Policies, which adjusted the lower limit of the first commercial individual housing loan interest rate of LPR to LPR-20BP. After the introduction of this policy, the interest rate of the first set of commercial personal housing loans can be as low as "benchmark -0.2 percentage points".
After that, LPR was lowered twice. At present, the minimum mortgage interest rate of banks can reach 4. 1%. How much can the "mortgage family" save after the interest rate is continuously lowered? At the beginning of 20021,the benchmark interest rate of the first home loan was 4.65%. Based on the loan of 1 10,000 yuan for 20 years, the monthly repayment is 6,407.75 yuan, and the total interest is 537,859.76 yuan when the loan interest rate remains unchanged. According to the current interest rate of 4. 1%, the monthly repayment is 6 1 12.63 yuan, with a total interest of 467,030.25 yuan. As you can see, after the mortgage interest rate is lowered, the lender can save the interest in 300 yuan every month, and * * * can save more than 70,000 yuan.
In the New Year's "New Deal", Harbin's first home loan interest rate may be lowered again.
How will the mortgage interest rate drop in the future? The relevant departments have released information. On June 5th, this year, 65438, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Establishing a Long-term Mechanism for Dynamic Adjustment of the Interest Rate Policy of the First Home Loan, pointing out that the lower limit of the interest rate of the first home commercial personal housing loan will be relaxed in stages for cities where the sales price of newly-built commercial housing has decreased for three consecutive months year-on-year during the evaluation period. According to market analysis, the introduction of this policy means that the interest rate of the first home loan in some cities is expected to continue the previous level or be further lowered.
The "new policy" stipulates the "evaluation period" as follows: from the fourth quarter of 2022, municipal governments can take the end of each quarter, the end of last quarter to the second month of this quarter as the evaluation period. According to this, does Harbin conform to the "phased relaxation of the lower limit of the first commercial personal housing loan interest rate" mentioned in the "new policy"? According to the data released by the National Bureau of Statistics, recently, the sales price of newly-built commercial housing has dropped for three consecutive months, with 38 cities. Among them, second-tier cities 13 include Dalian, Fuzhou, Harbin, Xiamen, Shijiazhuang, Tianjin and Zhengzhou. In other words, if Harbin meets the above policy requirements, the interest rate of the first home loan will be lower than 4. 1%.
The industry believes that the dynamic adjustment mechanism of the first home loan interest rate policy adjusts the lower limit of the first home loan interest rate, not the first home loan interest rate. How to price the mortgage is still determined by the agreement between LPR and the bank and the customer, and it is also affected by the actual qualifications of the mortgage applicant. According to the analysis of relevant experts, in the future, it is expected that Yinmenzhao Bank will optimize the mortgage business, speed up the processing, implement the lower limit of mortgage interest rate for more customers and enhance its competitiveness.
This is the end of the introduction of Harbin housing loan and Harbin housing loan. I wonder if you found the information you need from it?