1. List of major banks’ mortgage interest rates in 2022

1. China Construction Bank: The first set of interest rates is 5.9% (LPR125BP), and the second set of interest rates is 6.35% (LPR170BP);< /p>

2. Industrial and Commercial Bank of China: The first set of interest rates is 5.9% (LPR125BP), and the second set of interest rates is 6.1% (LPR145BP);

3. Agricultural Bank of China: The first set of interest rates is 5.8% (LPR115BP), the second set of interest rates is 5.95% (LPR130BP);

4. Bank of China: the first set of interest rates is 6.35% (LPR170BP), the second set of interest rates is 6.5% (LPR150BP) .

The above is the relevant content of the list of mortgage interest rates of various banks in 2022.

Mortgage repayment methods

1. Equal principal payments: Equal principal payments. As the repayment period increases, the burden gradually decreases, which means the pressure is getting smaller and smaller. Equal amounts of principal are allocated in the middle of each month, and the interest rate between the previous repayment date and this repayment date is paid. The total interest rate repaid under the same conditions is lower than the equal principal and interest;

2. Equal principal and interest: Add the total loan assets and the interest rate, and then evenly distribute it to the monthly repayment period, and repay a fixed amount every month;

3. One-time principal and interest repayment method: All interest rates and assets can be repaid on a monthly or quarterly basis on the loan's due repayment date to ease the repayment pressure;

4. Early repayment Payment: Mortgages allow early settlement, but this depends on the agreement in the loan contract. Every bank is different. For example, if the bank will provide for early repayment within one year, a penalty will be payable.

How to apply for deferral of mortgage repayment?

After taking out a mortgage, if you cannot extend the repayment period, you can call the customer service hotline of the loan agent bank, transfer the manual service channel, apply to the customer service staff for a deferment of repayment, and then submit the deferment of repayment to the bank Application, stating the reasons for requesting deferment of repayment. After explaining the reasons for deferred repayment, he expressed his willingness to repay and proposed a future repayment plan. After that, after waiting for staff to review, the bank will consider customers with good credit and difficulty in repaying the loan as appropriate. If the bank agrees, the customer can negotiate a new repayment agreement with the bank and then repay on time according to the new repayment agreement.

2. What is the latest bank loan interest rate?

Hello, the base loan interest rate of all banks is the same, and the one-year loan rate is 5.31%. The specific loan interest rates of the four banks you listed depend on the size and strength of your company. Generally speaking, the interest rates are raised. The most common ones are 10% or 30%. If it is a real estate company, it is 50% or 30%. 70%. If your company is a small and medium-sized enterprise, the general increase is 30-50%

3. What are the mortgage interest rates of each bank in 2022

The first home loan interest rate table of each bank is as follows : Industrial Bank: 5.40%. Hang Seng Bank: 5.45%. Agricultural Bank of China: 5.60%. Industrial and Commercial Bank of China: 5.60%. Bank of Communications: 5.60%. Rural Commercial Bank: 5.60%. trick%. Postal Savings Bank: 5.70%.

Mortgage interest rate refers to the interest paid on the loan according to the interest rate specified by the bank. China's mortgage interest rates are regulated by the People's Bank of China and can fluctuate within a certain range.

China's mortgage interest rates are not always constant, but change frequently. The form is that interest rates have been rising, so the situation before and after the interest rate increase is often compared.

201 The lower limit of the floating range of emergency housing loan interest rates issued to all commercial banks is still 0.7 times the benchmark interest rate. Commercial banks will implement the new interest rate: the loan period will be adjusted on January 1 every year. Once the benchmark interest rate is adjusted, the loan interest rate will be adjusted. In March of that year, Beijing 16 Bank has canceled the 10% discount on the first home loan interest rate, and the first home loan interest rate has been adjusted to 9.5%. .

In August 2019, mortgage interest rates increased by 20% in many cities across the country.

On the afternoon of May 20, 2021, the Shenzhen branches of the four major banks of Industry, Agriculture, China and Communications made it clear to Nandu reporters

There are mainly the following types of loans for house purchase:

1. Housing provident fund loan: For residents who have participated in paying housing provident fund, housing provident fund low-interest loans should be the first choice when buying a house with a loan.

Housing provident fund loans have a policy subsidy nature, and the loan interest rate is very low. It is not only lower than the commercial bank loan interest rate in the same period (only half of the commercial bank mortgage loan interest rate), but also lower than the commercial bank deposit interest rate in the same period. That is to say, under the housing provident fund, Mortgage loan interest rate and bank deposit interest rate accumulation fund loan are half of the time when applying for mortgage and insurance.

2. Personal housing commercial loans: The above two loan methods are limited to employees of certain units and have many restrictions. Therefore, people who have not paid the housing provident fund are not eligible to apply for loans, but they can apply for personal housing loans from commercial banks. Secured loan, also known as bank mortgage loan. As long as your deposit balance in the lending bank accounts for the proportion of the funds needed to purchase a house and you have an asset recognized by the lending bank as collateral or as a person to repay the loan principal, you can apply for a bank mortgage loan.

3. Personal housing portfolio loan: The maximum limit of the housing provident fund management center is generally 100,000 to 290,000 yuan. If the purchase price exceeds this limit, you must apply for a commercial housing loan from the bank for the shortfall. Together, these two loans are called a portfolio loan. This business can be handled uniformly by the real estate credit department of a bank. Portfolio loans have moderate interest rates and larger loan amounts, so they are often chosen by borrowers.

4. What are the latest mortgage interest rates of major banks in 2022?

Mortgage interest rates of major banks in 2022

For short-term loans within one year, including one year, the central bank’s benchmark interest rate is 4.35%; for one to five years, including five years For medium-term loans, the central bank’s benchmark interest rate is 4.75%; for long-term loans of more than five years, the central bank’s benchmark interest rate is 4.9%.

If it is a personal provident fund loan, the central bank’s benchmark interest rate is 2.75% for short- and medium-term loans of less than five years, including five years; for long-term loans of more than five years, the central bank’s benchmark interest rate is 3.25%.