The interest rate of the loan that has already bought a house will change. If the country raises the benchmark interest rate, the interest rate of the whole market will increase, and the mortgage interest rate will also increase, which will have an impact on those who have already bought a house. Of course, generally speaking, the central bank will not raise the mortgage interest rate alone.

If the bank raises the mortgage interest rate, it will not affect those who have already bought the property. At the beginning, buyers and banks signed mortgages, so the bank mortgage interest rate was raised, and the mortgage interest rate of previous buyers remained unchanged.

When signing a contract with a bank, you must know how the loan interest rate is stipulated. Don't forget these details. When the country raises the basic interest rate, the effective time of the interest rate will generally be in the second year after the data is released, giving the lender a buffer time, which will not change soon.

Loan interest rate is the focus of buyers' attention. As the amount of housing loans will be large, a little increase in the loan interest rate will generate a lot of interest, which is unacceptable to some lenders.

I would like to remind you that if you want to apply for a mortgage, you must pay attention to your personal credit, and your personal credit must be kept good. When using a credit card or loan app, you must repay on time to avoid overdue.

Will the loan interest rate change after the bank lends money?

Will affect the interest rate, but will not affect the interest rate discount.

1. Will the adjustment of benchmark interest rate affect the loan interest rate?

Will affect the interest rate, but will not affect the interest rate discount. After interest rate adjustment, it will generally be implemented from June 5438+ the following year 10. The calculation method of the new interest rate is: new benchmark interest rate × interest rate discount at the time of loan approval.

1. If the benchmark interest rate of commercial loans is adjusted, the time for adjusting the loan interest rate is as follows:

(1) adjustment at the beginning of the year, that is, the loan interest rate will be implemented in the following year 1+0. (Most banks in China)

(2) As agreed by both parties, it will generally be implemented in the month after the adjustment of bank interest rate. (HSBC)

Note: Some banks adopt full-year adjustment, that is, repayment will be made after one year.

2. If the benchmark interest rate of provident fund loans is adjusted, the applicable loan interest rate adjustment time is: 1+0 in the next year.

Note: For high-income people who apply for provident fund loans, 50% of their income or the monthly payment of housing provident fund is taken as the minimum repayment amount. When the interest rate is lowered, the minimum monthly repayment amount will remain unchanged; When the interest rate is raised, if the new minimum monthly repayment amount is lower than the monthly deposit amount, the minimum monthly repayment amount will remain unchanged.

2. If the commercial interest rate rises, will it affect the loan interest rate?

Since 20 17, "banks, as the main executors of real estate credit policies, have curbed excessive demand and consolidated the achievements of Beijing's real estate regulation and control by raising the interest rate of individual housing loans." The interest rate of the first suite of commercial loans has been adjusted several times, from the original minimum of 15%, 10% and 15% to the current benchmark (20 17 10). Will it affect the loan interest rate that has been lent? No. The adjustment of interest rate fluctuation by commercial banks will not affect the loan interest rate. If a commercial bank adjusts the loan interest rate, and you haven't lent money while applying for a commercial loan, you need to consult the bank staff to determine whether it will affect your loan interest rate.

Source: Beijing Housing Provident Fund Management Center of China People's Bank; This content is only applicable to Beijing.

If the mortgage interest rate is lowered, will the loan interest rate change?

Will change. The adjustment of benchmark interest rate will affect interest rate, but it will not affect interest rate discount. After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year; The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage); Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day.

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1. If the benchmark interest rate of commercial loans is adjusted, the applicable loan interest rate adjustment time is as follows: (1) Adjustment at the beginning of the year, that is, the following year 1 implementation loan interest rate. (2) As agreed by both parties, it will generally be implemented in the month after the adjustment of the bank interest rate. Note: Some banks adopt full-year adjustment, that is, repayment will be made after one year.

2. If the benchmark interest rate of provident fund loans is adjusted, the applicable loan interest rate adjustment time is: 1+0 in the next year.

3. The adjustment of interest rate fluctuation by commercial banks will not affect the loan interest rate. If a commercial bank does not lend money while applying for a commercial loan when adjusting the loan interest rate, it needs to consult the staff of the bank to determine whether it will affect the loan interest rate.

To add here, there are mainly the following types of loans to buy a house: 1. Housing provident fund loans: For residents who have participated in the housing provident fund deposit, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.

2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.

3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.