Q: CCB's second-hand housing loan interest rate table in 2022:

1, CCB's second-hand housing loan interest rate table in 2022

Loan term (month) 1 year 1-3 5-20 years annual interest rate (%)4.904.754.904.90

What is the latest interest rate table of CCB's fast loan interest in 2022?

Demand deposit: the interest rate is 0.3%;

2. One-off time deposit: three-month interest rate 1.35%, half-year interest rate 1.55%, one-year interest rate 1.75%, two-year interest rate 2.25%, three-year interest rate 2.75% and five-year interest rate 2.75%;

3. installment withdrawal, installment withdrawal and fixed withdrawal: the annual interest rate is one year 1.35%, three years 1.55% and five years1.55%;

4, fixed work is convenient: enjoy a one-time discount of 60% interest rate at the same level within one year;

5. Agreement deposit:1.00%;

6. Notice deposit: 0.55% for one day, 7 days 1. 1%.

Second, the loan interest rate:

1, and the interest rate for less than one year (including one year) is 4.35%;

2. The interest rate for one year to five years (including five years) is 4.75%;

3. The interest rate over five years is 4.9%;

4. The interest rate of provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.

The above is the latest interest rate table of CCB interest in 2022.

Transfer method of funds from special account for fast loan of China Construction Bank

1. Mobile Banking Transfer-out: Users log in to the Mobile Banking APP of China Construction Bank, look for the function of "quick loan" on the homepage, click View, select "Withdraw" and "Transfer-out of funds from special account for quick loan", and follow the prompts.

2. Transfer out of online banking: users can log in to the online banking of China Construction Bank, search for "personal quick loan" in the homepage loan service, and then select "Transfer out of special account for quick loan" to follow the prompts;

3. Counter transfer: Users can bring their valid identity documents and bank cards to the counter business outlets of banks to handle the fund transfer business of special accounts for quick loans;

4. Transfer out the ATM equipment of CCB: deposit the card on the ATM equipment of CCB, enter the password, click the fast loan service on the screen of the mobile phone, and then transfer the funds from the special account according to the prompts.

China Construction Bank loan interest rate

Benchmark interest rate of China Construction Bank loan in 2020:

1, short-term loans:

(1) Annual interest rate within one year (including one year): 4.35%.

2. Medium and long-term payment:

(1) The annual interest rate is from one year to five years (inclusive): 4.75%.

(2) Annual interest rate for more than five years: 4.90%.

3, personal housing provident fund loans:

1, annual interest rate for less than five years (including five years): 2.75%.

2. Annual interest rate for more than five years: 3.25%.

Extended data:

The calculation formula of mortgage repayment method is divided into two types:

1, calculation formula of equal principal and interest:

Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment will decrease with the decrease of residual principal, and the proportion of principal in monthly payment will increase with the increase, but the total monthly payment will remain unchanged.

It should be pointed out that:

(1) The maximum amount of urban provident fund loans should be combined with local conditions.

(two) for residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for a second set of ordinary self-occupied housing, the preferential policy of purchasing ordinary self-occupied housing with the first loan shall be implemented mutatis mutandis.

2, the average capital calculation formula:

Monthly repayment = monthly principal, monthly principal and interest

Monthly principal = principal/repayment months

Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate

Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.