After adjustment, Changsha housing loan interest rate: the first suite of bank loans: 5.64%, the second suite: 5.88%. The first set of provincial and municipal provident fund loans is 3.25%, and the second suite is 3.575%.
Recently, the People's Bank of China announced the latest loan interest rate in Changsha, and the loan interest rate for the first and second suites in Changsha was raised by 25 basis points.
23-year commercial housing loan interest rate in Changsha
The commercial housing loan interest rate in Changsha for 23 years is 25%. Because the commercial housing loan is quite good, there is a certain interest rate, and the specific value can be determined. Therefore, the commercial housing loan interest rate in Changsha in 23 years is 25%.
What is the mortgage interest rate of Changsha Bank in July 2022?
China Construction Bank: the interest rate of the first suite is 5.55%, and the interest rate of the second suite is 5.80%;
2. Agricultural Bank: the interest rate of the first suite is 5.45%, and the interest rate of the second suite is 5.60%;
3. CITIC Bank: the interest rate of the first suite is 5.5-5.74%, and the interest rate of the second suite is 5.85%;
4. China Merchants Bank: the interest rate of the first suite is 5.55%, and the interest rate of the second suite is 5.80%;
5. Postal Savings Bank: The interest rate of the first suite is 5.50%, and the interest rate of the second suite is 5.64%.
The above is the relevant content of Changsha mortgage interest rate in 2022.
What if I can't pay the mortgage?
1. Apply for deferred repayment: If the borrower fails to repay the loan on time according to the original repayment agreement, he can definitely submit a written application to the loan bank to extend the loan term;
2. Transfer or sale of real estate: the purchased house can be sold with the permission of the bank, and the loan will be repaid with the proceeds from the sale or sale;
3. Property auction: After the bank auctions the property, it can only collect the accounts owed by the user to the bank, including the outstanding principal, interest, overdue fine, etc. The rest can be returned.
Is there a penalty for repaying the mortgage in advance?
Whether to charge liquidated damages for early repayment of housing loans mainly depends on the requirements of banks and the details of customer repayment. Some banks stipulate that:
1. If the bank fails to repay the loan one year in advance as agreed in the loan contract, it will be charged a penalty of 3%;
2. If the loan is repaid for one year but less than two years, a penalty of 2% of the prepayment amount will be deducted;
3. If the user repays for more than two years but less than three years, a penalty of 65438+ 0% of the prepayment amount will be charged;
4. You won't be fined within three years.
According to this requirement, if the customer fails to repay in advance according to the repayment plan promised three years ago, a penalty will be charged. Different banks have different requirements, depending on the contract and the specific situation of the bank.
Prepayment of mortgage loan process
1. Customer service telephone reservation: The borrower can call the customer service telephone of the bank in advance to inquire about the prepayment requirements and confirm whether the prepayment penalty is required;
2. Fill in the application form: The borrower negotiates the prepayment time with the bank personnel, and goes to the bank lobby on time to receive the Application Form for prepayment of house purchase loan and fill it out carefully. Then hand over the personal ID card and loan contract to the bank personnel for review;
3. Telephone notification from the bank: After the bank is approved, the bank staff will notify the borrower by telephone;
4. Repayment procedure: After receiving the approval notice, the borrower shall go to the bank to handle the prepayment formalities with relevant documents in time;
5. Repay the loan in advance: After completing the above procedures, the borrower can repay the loan at the counter and directly transfer the money to the repayment card.
Changsha mortgage interest rate in April 2022
The interest rate of Changsha mortgage in April 2022 mainly depends on the loan term, loan amount and lender's credit status. Under normal circumstances, the down payment ratio of Changsha residents to purchase housing is 20%, and the loan period of Changsha residents is no longer than 30 years. The interest rate standard is 30% off the benchmark interest rate.
In April 2022, the benchmark interest rate in Changsha was 3.85%. According to the standard of 30% discount, the interest rate of Changsha residents' loan is 2.69%, which is slightly lower than that of the previous year. However, it should be noted that the above interest rates are for reference only, and the actual interest rate is subject to the bank's evaluation. In addition, the lender's credit situation will also affect the loan interest rate. The better the credit of the lender, the lower the interest rate.