1, provident fund mortgage interest rate
Borrow 1-5 years, and the interest rate is 2.75%; Borrow for 6-30 years with an interest rate of 3.25%.
2. Commercial loan interest rate
According to the fixed standard interest rate, 1-5 years, the interest rate is 4.75%; For 5 years and above, the interest rate is 4.9%.
According to the fluctuation of LPR interest rate, the annual interest rate in the same period is at least LPR-0.2%, while the LPR interest rate over five years released in July 2022 is 4.45%, so the housing loan interest rate is at least 4.25%.
note:
The loan interest rate often mentioned here refers to the annual interest rate, which is the interest rate of the first home loan.
If it is a second home loan, the interest rate will be raised to a certain extent. The interest rate of the second suite of provident fund is generally raised by 10%, and the lowest interest rate of the second suite is LPR+0.6%, depending on the bank loan price.
3. Actually calculate the loan of 250,000 yuan and the monthly repayment amount for 20 years.
Assuming that it is the first home loan, the annual interest rate is at the lowest level, and the repayment method of equal principal and interest is as follows:
Provident fund mortgage, monthly repayment amount = 14 17.99 yuan;
For commercial loans with fixed interest rate, the monthly repayment amount is = 1636.6438+0 1 yuan;
LPR floating rate commercial loan, monthly repayment amount = 1548.09 yuan.
What is the interest rate of 500,000 yuan time deposit in Postal Savings Bank? Postal savings bank is a relatively large and medium-sized bank in China, and the safety factor of saving money in it is very high, and 500 thousand is a large deposit, so everyone will be curious about how much money they can earn in it, or there are 500 thousand deposits with relatively large assets. When saving money, you need to pay attention to asking the relevant staff of the Postal Savings Bank about the interest rate of general savings and the interest rate of large deposit certificates. Generally speaking, the term interest rate of CDs is much higher than that of ordinary savings.
Because the entry threshold of certificates of deposit is very high, at least 20 certificates are bought and sold, and few people can save them, so the fixed interest rate of certificates of deposit is generally higher than that of general savings, so the interest rate of certificates of deposit must be cost-effective.
Secondly, it should be noted that the savings interest rate of the Postal Savings Bank is not static, but will change with the passage of time, so Xi Cai Jun will give you an example.
For example, suppose the one-year deposit rate of 500,000 certificates of deposit of Postal Savings Bank is 2.25%. If you deposit 500,000 certificates of deposit, you can earn 500,000 * 2.25% = 1 1250 yuan at the maturity of one year. It is not difficult to see that you have made a lot of money, but when you deposit the certificate of deposit, remember not to take it out too early, otherwise it is likely to be damaged. The above is "Postal Bank deposits 500,000 yuan, what is the annual interest rate?" ,