1, loan term 1 to 5 years, including 5 years, and the interest rate of the first home loan is generally between 4.75%-6.7 15%;
2. The loan term is more than 5 years, and the interest rate of the first home loan is generally between 4.9% and 6.37%.
Generally speaking, the first home loan interest rate of commercial banks will rise 10% to 30% on the basis of the benchmark interest rate. The above is the interest rate of the first home loan in 2022.
What does it mean to lower the mortgage interest rate?
1, the downward adjustment of housing interest rate means that the real estate market is picking up: users all know that the market has the principle of leverage adjustment, and housing prices have been high. If users have no money to buy, they will hesitate to wait for good news. If the mortgage interest rate is lowered at this time, there will undoubtedly be just-needed loans for users to buy houses, and the houses will be sold, and the real estate market will pick up, which will also drive the improvement of the national economy;
2. Lowering the mortgage interest rate means entering the LPR interest rate period: the LPR interest rate will be gradually implemented in 2020, which means that the benchmark interest rate in the loan market is determined by multiple banks with the same quotation, and then weighted average. Because LPR interest rate is market-oriented, it will change according to market control. If the market mortgage interest rate is lowered at this time, users will gradually choose the floating interest rate in the LPR market instead of the fixed interest rate under the control of the central bank.
Lower mortgage interest rate means more consumption: in order to repay the loan every month, buyers are prepared for their daily living expenses. If the mortgage interest rate is lowered at this time, resulting in a lower monthly supply, there will be an additional asset in the plan, which can be used for daily consumption, improve the quality of life, and the increase in consumption can also drive loans. After all, consumer loan products have become very popular.
What does it mean that you can't spend the loan for three months after mortgage?
It means that the borrower should try not to apply for a consumer loan within three months after applying for a mortgage. Because the three months after applying for a mortgage is the key period for banks to inspect the repayment function of borrowers, during this period, banks will pay more attention to the personal credit evaluation and debt status of borrowers, and it is very likely to check the credit status of users in the name of post-loan management. Handling a reliable consumer loan will be credited to the credit. If the bank finds that the user has applied for a new consumer loan within three months after applying for a mortgage, it is likely that the bank will doubt the borrower's repayment ability and worry that the borrower's credit consumer loan assets will be used to repay the mortgage, and the consumer loan will also increase the borrower's debt ratio, which may lead to the bank controlling the lender's risk. If there is no next payment, it is not excluded that the bank refuses the next payment on this ground. In order to better prevent accidents, borrowers should try not to apply for consumer loans within three months after applying for mortgage loans, and it is more appropriate to apply for consumer loans after the critical evaluation period of three months. This article is mainly about the knowledge about the interest rate of the first home loan in 2022.
Second, what is the interest rate for first-hand houses?
A: The interest rate of first-hand housing loans depends on the way of lending to banks. If it is a commercial loan, the current commercial loan interest rate is 4.85%. If it is a housing loan with provident fund, the current interest rate of provident fund loan is 3.25%.
3. What is the interest rate of personal first-hand housing loan in China Bank?
Interest rate of personal first-hand housing loan of China Bank
The pricing of RMB personal first-hand housing loans is based on the latest LPR issued by the People's Bank of China. Loans with a term of less than 5 years (inclusive) use LPR with a term of more than 5 years (inclusive). When the loan repricing date is adjusted, the LPR of the loan pricing benchmark will be adjusted to the latest LPR of the corresponding grade published by the People's Bank of China.
Please refer to the actual situation for the above provisions.
If you have any questions, please consult or download the mobile banking APP of Bank of China to handle related business.
Fourth, the interest rate of first-hand housing loans.
Housing loan is a kind of bank loan. There are different loan interest rates when lending, which are stipulated by the People's Bank of China, but the preferential policies of each bank are different. For example, the loan interest rate is 30% off, requiring customers to make a down payment of 40%. Only when they apply for a personal housing loan for the first time can they enjoy it! 30% off monthly interest rate is 3.465, and the annual interest rate is 4. 158%!