The second-hand housing loan interest rate of the four major banks
What is the second-hand housing loan interest rate of the four major banks? There is no fixed value for the loan interest rate of the four major banks in my country. The bank will determine the interest rate based on the borrower's After reviewing the qualifications, loan type and other information, the central bank's benchmark interest rate will be raised by a certain percentage to give the corresponding loan interest rate.
Currently, the central bank’s benchmark interest rate is:
Commercial loans:
1. The loan period is within one year (including one year), and the interest rate is 4.35%;
2. The loan period is one to five years (including five years), and the interest rate is 4.75%;
3. The loan period is more than five years, and the interest rate is 4.90%;
< p> Provident fund loan:1. The loan period is less than five years (including five years), and the interest rate is 2.75%;
2. The loan period is more than five years, and the interest rate is 3.25%.
Friendly reminder:
If you choose a commercial loan, you need to consult and compare with several banks. Article 4 of the "Provisional Regulations of the People's Republic of China on Real Estate Tax": If the real estate tax is calculated and paid based on the residual value of the real estate, it is 1.2%; if it is calculated and paid based on the rental income of the real estate, it is 12%.
The above is the relevant content about second-hand housing interest rates. I hope it can be helpful to everyone!