At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.

What is the 25-year loan interest rate for the first suite in Beijing?

From now on, the minimum interest rate for the first home loan in Beijing will rise by 0.0 1%.

(Reporter Cheng Jie) According to the announcement of the central bank, starting from today, the new commercial personal housing loan interest rate will be based on the sum of the loan market quotations in the same period in the last month. Among them, the interest rate of the first commercial personal housing loan shall not be lower than the LPR in the same period, and the interest rate of the second commercial personal housing loan shall not be lower than the LPR plus 60 basis points in the same period. At the same time, the central bank announced clearly that all provincial branches of the People's Bank of China should guide the self-discipline mechanism of interest rate pricing in the provincial market in accordance with the principle of "making policies according to the city" and determine the lower limit of interest rates for the first and second sets of commercial personal housing loans within their jurisdiction on the basis of the unified national credit policy and changes in the local real estate market situation.

It is understood that various provinces and cities have deployed the transformation of the pricing benchmark of individual housing loan interest rates, and the specific situation will be officially introduced one after another. The new pricing benchmark of individual housing loans in Beijing is: the interest rate of the first set of commercial individual housing loans is not lower than the LPR (loan market quotation) of 55 basis points in the same period (1 basis point is equal to 0.0 1%), and the interest rate of the second set of commercial individual housing loans is not lower than LPR 105 basis points in the same period. According to the five-year LPR of 4.85% announced by the central bank on September 20th, the lower limit of interest rate for the first set of personal housing loans in Beijing is 5.4%, and that for the second set is 5.9%. Previously, the mainstream interest rate of the first home loan in Beijing was the benchmark interest rate of 4.90%, rising by 10%, an increase of 5.39%; The second home loan interest rate is 20% higher than the benchmark interest rate, that is, 5.88%. In absolute terms, after the implementation of the new regulations, the lowest interest rate of the first home loan in Beijing rose by 0.0 1%, and the interest rate of the second home loan rose by 0.02%. Before and after the reform, the minimum mortgage interest rate was basically the same, which was in line with market expectations.

What is the mortgage interest rate in Beijing in 2022?

June, 2022, 5438+1October 15. At present, the interest rate of bank mortgage in Beijing remains unchanged, with the first set rising by 55 basis points on the basis of LPR, that is, 5.2%; The second set rose by 105 basis points, or 5.7%.

Extended data:

Mortgage interest rate:

If the mortgage handled by the customer belongs to the provident fund loan, the interest rate is low. Because individual housing provident fund loans are based on the benchmark interest rate of central bank loans, among the benchmark interest rates published by the People's Bank of China, the annual interest rate of provident fund loans for more than five years is 3.25% (the interest rate of second housing provident fund loans is 1. 1 times of the benchmark interest rate).

If the mortgage the customer handles is a commercial loan, the interest rate will be much higher. After all, the commercial loan interest rate of individual housing is formed by adding the LPR of the corresponding period as the pricing benchmark, in which the LPR quotation has reached: 4.65% for more than five years, and with the basis point stipulated by the bank, it is naturally higher.

But the interest rate of most commercial loans is around 5%, which is reasonable.

It should be noted that the interest rate is estimated to be higher if you buy a second home with a commercial loan. If it reaches more than 6%, or even 7%, it will not be low. However, interest rates cannot be artificially interfered. Customers can consider more banks when handling mortgage loans, and choose the one with relatively low interest rate to apply.

Analysis of the influence of the increase of mortgage interest rate on mortgage;

If a customer applies for a personal housing provident fund loan, the benchmark interest rate of the central bank loan shall be implemented. As long as the central bank does not adjust the benchmark loan interest rate in the subsequent loan period, the customer's mortgage interest rate will remain basically unchanged; Of course, if the central bank adjusts, the adjusted new interest rate will naturally be implemented from 65438+ 10 1 in the following year.

If a customer applies for a personal commercial housing loan, the choice of fixed interest rate or floating interest rate mainly depends on the customer's own needs, and the customer can choose by himself.

Commercial loans are formed by adding points on the basis of the corresponding term LPR (the basis point remains unchanged once determined). If you choose a fixed interest rate, the customer's mortgage interest rate will not change no matter how the LPR price changes. If the floating interest rate is chosen, the mortgage will have a re-pricing cycle. On each repricing day, the designated basis point is calculated according to the latest LPR quotation, and a new interest rate is obtained, which will be implemented in the next cycle.

Customers can choose fixed interest rate or floating interest rate according to their own judgment on the future trend of LPR. If they think that LPR may decline in the future, they can choose floating interest rates. After the LPR really drops, the customer's mortgage interest rate will also drop.

Beijing commercial loan interest rate 2022

In 2022, the highest interest rate of commercial loans in Beijing was 4.9%, and the lowest interest rate was 4.35%.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.

This is the end of the introduction of the commercial loan interest rate of Beijing house purchase and the loan interest rate of Beijing house purchase bank. I wonder if you have found the information you need?