The commercial loan interest rate of Guangzhou Bank is obtained by floating on the basis of the benchmark interest rate of commercial loans, and the floating range is mostly between 0.5 and 2 percentage points. The benchmark interest rate for commercial loans is:
1. The loan covers one year, and the benchmark interest rate for commercial loans is 4.35%.
2. The loan term is one to five years, including five years, and the benchmark interest rate for commercial loans is 4.75%.
3. The benchmark interest rate for commercial loans over five years is 4.90%.
Guangzhou mortgage interest rate in July is 202 1
In July of 20021year, the loan interest rate of Guangzhou housing provident fund was 4.25%, and the loan interest rate of commercial housing was 4.9%, including 4.75% in mortgage interest rates and 5.25% in mortgage interest rates. In addition, the interest rate of Guangzhou's housing provident fund portfolio loan is 4.75%, and the interest rate of Guangzhou's commercial housing portfolio loan is 4.9%, including 4.75% in mortgage interest rates and 5.25% in some mortgage interest rates. In addition, the down payment ratio of Guangzhou housing provident fund loans is 20%, and the down payment ratio of commercial housing loans is 30%. In addition, the loan period of Guangzhou housing provident fund can be up to 30 years, and the loan period of commercial housing can be up to 25 years. In short, the mortgage interest rate in July 20021Guangzhou is low, which is beneficial to buyers.
Guangzhou is the first to push commercial mortgage interest rate.
The interest rate of the first commercial mortgage in Guangzhou is 4.9%.
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What's the mortgage interest rate? 1 min tells you 0 1: 1 1.
Mortgage interest rate
Economic term
Mortgage interest rate refers to the relevant mortgage loan amount.
Chinese name
Mortgage interest rate
Foreign name
Mortgage interest rate
brief introduction
Buyers use the house they bought as collateral.
ordinary
China, Hong Kong, Macao and Taiwan
calculator
Deposit interest = principal interest rate term
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Relevant regulations
loan on mortgage/security
The word "mortgage" was originally a local dialect and was found in Hong Kong, Macao and Taiwan. From the end of 1980s, it gradually appeared in Chinese mainland from south to north. Except for the China Special Administrative Region, there is no provision on mortgage in the law. Before Hong Kong's return to the motherland, the provisions on mortgage in Hong Kong were broadly defined and narrowly defined. Mortgage in a broad sense refers to any form of pledge (pledge is the mortgage of movable property) and mortgage; Narrow mortgage refers to transferring the property to the lender's name, and then transferring the property back to the borrower's (mortgagor's) name after the loan is paid off. There are some differences between the mortgage stipulated in the Urban Real Estate Management Law and the Guarantee Law and the mortgage in Hong Kong, that is, the definition of mortgage in these two laws is based on the transfer of possession. "Mortgage" has two meanings: real estate mortgage and installment repayment. It refers to a loan method in which a bank issues a purchase of owner-occupied housing to a natural person with full capacity for civil conduct, and repays the loan with the property house purchased by him as a mortgage, and repays the principal and interest of the loan on a monthly basis.
Guangzhou housing commercial loan interest rate
Guangzhou housing commercial loan interest rate: 0-6 months (including 6 months), annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;
This is the end of the introduction of Guangzhou commercial loan interest rate and Guangzhou bank loan. I wonder if you found the information you need from it?