6 centimeters 5.

1. What is the mortgage interest rate?

The interest rate for loans within one year (including 1 year) is 5.60, the interest rate for loans from one to five years (including five years) is 6.00, and the interest rate for loans over five years is 6.00. The loan interest rate is 6.15. If an individual applies for a provident fund loan, the interest rate of the provident fund loan will be different from before. Because the interest rate on provident fund loans has also dropped. The housing provident fund loan interest rate for the first home is: housing provident fund loan interest rate for more than five years is 4.25, housing provident fund loan interest rate for five years and below is 3.75 annual interest rate.

1. First-time commercial mortgage loan interest rate:

The current first-home commercial loan interest rate is usually about 1.1 to 1.2 times the central bank’s benchmark loan interest rate for the same period. Calculated based on the current benchmark interest rate of 4.90, The lowest interest rate for a suite is around 5.39, and the highest interest rate does not exceed 5.88. Most bank mortgage interest rates fluctuate within this range.

2. Commercial mortgage interest rate for second home loans:

The current second home loan interest rate is usually 1.2 times the central bank’s benchmark interest rate for the same period, or even higher. The specific mortgage interest rate also depends on the specific lending bank and Depends on borrower qualifications. The common loan interest rate for second homes is 5.88, the lowest loan interest rate for second homes is 5.39, and the highest loan interest rate does not exceed 6.37.

3. Provident fund loan interest rate:

The interest rate for the loan period is within 5 years (inclusive) is 2.75, and the interest rate for more than 5 years is 3.25.

4. Provident Fund second home loan interest rate:

The Provident Fund second home loan interest rate is 1.1 times the benchmark interest rate. Calculated based on the current benchmark interest rates of 2.75 and 3.25, the loan interest rate for less than five years is 3.025, and for more than five years it is 3.575.

5. Common interest rates for mortgage loans in Beijing, Shanghai, Guangzhou and Shenzhen:

The interest rate for the first home in Beijing is 5.36, and the interest rate for the second home is 5.88. The interest rate for the first home in Shanghai is 5.13, and the interest rate for the second home is 5.88. The interest rate for the first home in Guangzhou is 5.51, and the interest rate for the second home is 5.88. The interest rate for the first home in Shenzhen is 5.47, and the interest rate for the second home is 5.88.

2. Interest rate characteristics

China’s mortgage interest rates are uniformly stipulated by the People’s Bank of China. For a loan obtained from a bank using real estate, the interest on the loan must be paid according to the interest rate specified by the bank. This interest rate is the mortgage interest rate. On June 7, 2012, the central bank issued an urgent document to all commercial banks, requiring commercial banks to maintain the lower limit of the floating range of personal housing loan interest rates at 0.7 times the benchmark interest rate.

Commercial banks will implement new interest rates: From January 1, 2013, mortgage owners can reduce their pressure. However, each commercial bank can float within a certain range when implementing it. China's mortgage interest rates are not always constant, but change frequently. In the form that interest rates have been rising, we often compare the situation before and after the interest rate increase.