1, 202265438+1 On October 20th, the quoted interest rate (LPR) of the loan market was:1year, 3.7%, and over 5 years, 4.6%;
2. On February 2, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and over 5 years, 4.6%;
3. On March 2, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and 4.6% for five years and above;
4. On April 20, 2022, the loan market quoted interest rate (LPR) was: 1 year LPR was 3.7%, and the LPR over five years was 4.6%.
Extended reading:
How to deal with the house if the mortgage loan is not available?
If you can't get a house loan, users can choose to check out and get back the down payment. However, users should note that if the housing loan is not approved because of their own credit evaluation problems, then returning a house is a breach of contract. The developer may not return the down payment in full, but will charge a part of the amount as contract liquidated damages. Naturally, users can also check the reasons for the unsuccessful housing loan first. If there is a chance to recover, you don't have to check out directly. For example, if the loan fails because the information provided is incomplete or incorrect, the user can supplement the materials and reapply; You can also apply for another bank directly.
Matters needing attention after mortgage approval
1. Be sure to sign a loan contract and register the mortgage at the bank outlet within the agreed time, so that the bank can make a smooth payment;
You can't apply for a new loan before the bank loan comes. For loans that have not been repaid under the name, we should also maintain the good habit of timely repayment to prevent overdue situations, so as to prevent the bank from making a second approval before the next repayment, and the next repayment will fail because of poor personal credit;
Please be patient, the bank may not pay immediately. If it's fast, it's likely to be paid in half a month. If it's slow, it's likely to be paid in one or two months. Banks usually inform them when they make the payment. If the waiting time is really long, users can also call the bank customer service phone to inquire about the progress.
How to borrow money to sell a house?
1. Lending: Generally, lending is handled through intermediary companies, and some banks can also handle this business. If users are willing, they can go to relevant departments for consultation;
2. Pay off the remaining loan with the buyer's down payment: this method is only applicable to the case that the seller's loan amount is low or the seller has paid off most of the loan and the buyer has sufficient funds to pay the down payment;
3. Pay off the remaining loan with the loan: the buyer can mortgage the bank with other collateral under his name, get a sum of money, and then settle the mortgaged property.
This article is mainly about the knowledge points of lpr benchmark interest rate in 2022, and the content is for reference only.