1. At present, the benchmark interest rate for commercial loans with a loan term of more than five years is 6.55%, and the housing accumulation fund is still 3.25% for more than five years. Under the influence of the policy of restricting purchases and loans, local banks have adjusted the interest rate of the first home loan to varying degrees, and the interest rate of the second home loan has generally risen 10%-30%.

(1) Short-term loans

(1) 5.60% within six months (inclusive)

② 6.06% from half a year to one year (inclusive)

(2) medium and long-term loans

① One to three years (inclusive) 6. 10%

② Three to five years (inclusive) 6.45%

③ More than 5 years, 6.55%

2. The interest rate of the first set of housing loans shall be implemented according to the interest rate of individual housing mortgage loans stipulated by the People's Bank of China. When the national interest rate is adjusted, the loan interest rate standard is adjusted accordingly and fixed for one year (according to the current personal housing mortgage interest rate standard stipulated by the People's Bank of China, the monthly repayment amount per 10,000 yuan is calculated and determined by the equal Dou Liang method).

3. The mortgage loan of the first house is repaid in monthly installments. The borrower must keep a certain balance in the special account for payment, and the bank will deduct the loan principal and interest from the account on the repayment date agreed in the contract every month.

4. The first home borrower can repay the loan principal and interest on a monthly basis in equal or decreasing ways.

Calculation formula of matching method: monthly repayment amount = (monthly interest rate ×( 1 interest rate) total contribution periods /( 1 interest rate) total contribution periods-1)× loan principal;

The calculation formula of diminishing method is: monthly repayment amount = loan principal/total contributions (principal-accumulated repaid principal) × monthly interest rate.

Second, how to check the mortgage interest rate?

Legal subjectivity:

1, industrial and commercial bank of China 6. 12% (high-quality customers can go down) personal housing loans for more than five years, and the lower limit of interest rate is 0.9 times of the benchmark interest rate 6. 12%, that is, 5.5 1%. Lenders who purchase high-grade housing and two or more houses will implement 6.65438. The loan interest is settled once a year. If the loan is repaid at present, interest will be charged for the remaining months. You can't directly handle inter-bank mortgage transfer, and you need to go through more complicated procedures. For details, please consult the mortgage salesman of the handling bank. The registered capital of the developer is more than 6.5438+0 million, and the project is more than 30,000 square meters. 2. The mortgage interest rate of China Merchants Bank is 6. 12% (quality customers can go down) 1~3 years (inclusive), 5.76% for 3~5 years (inclusive) and 6. 12% for more than 5 years. According to different areas and houses, determine the proportion of loans. If the bank decides that the risk of the area or building applying for a loan is too high, it will reduce the loan ratio. Whether to accept prepayment is decided by the handling bank according to the relevant clauses of the loan contract. Accept interbank mortgage business, but when handling it, you must issue a letter of authorization from the guarantee company and an irrevocable letter of guarantee for interbank mortgage provided by the guarantee company. The specific operation process can be consulted at all branches of China Merchants Bank. When bidding, you need to provide identification, marriage certificate, income certificate, asset certificate, pre-sale contract, invoice, etc. , the specific operation can be inquired in the business hall. 3. Personal commercial housing loans granted by China Construction Bank after 6. 12% March 17 will generally implement the benchmark interest rate of 6.12% of the Central Bank of China, but it may be raised or lowered according to specific circumstances. Specific requirements, if the following three conditions are met-the lender buys a self-occupied house, which is the first suite purchased by this person, and the lender has good credit standing, the loan interest rate can be lowered, with the highest 10%, that is, 5.5 1%. For some high-risk products or customers with bad credit records, we will implement higher mortgage interest rates, such as second-home loans and high-end villa loans. If the loan is repaid less than one year and the loan is repaid in advance, interest will be charged as liquidated damages according to the number of days of default (up to one month). Do not accept inter-bank refinancing. Generally, the houses that need loans to buy are existing houses. Whether to provide loans will be decided after checking the qualifications of developers and the credit and income of buyers. 4. The Bank of China has not decided that the current lender will buy the first villa at 0.9 times the benchmark interest rate of 6. 12%, that is, 5.5 1%. If the Lender has borrowed money to purchase a house, he shall purchase a second house (inclusive) or more, and the loan interest rate shall be 6. 12% of the benchmark interest rate of the same grade. For the loan contract signed before March 17, 2005, if the loan has not been issued, the original contract interest rate will still be implemented. For individual housing provident fund loans, the floating interest rate will be applied to loans issued after March 2005 17 (inclusive), and the floating interest rate will be applied to loans that have not expired before March 2005 17 from June 65438+ 10/next year. If the loan repayment is less than one year, one month's interest will be charged as liquidated damages. Accept inter-bank mortgage, you can inquire at each branch. 5. ABC's undecided loan policy is not obvious, but the interest rate network believes that the mortgage actions of CCB and ICBC have the role of "wind vane" for the four major commercial banks. If the loan repayment is less than one year, the liquidated damages shall be returned. Interest rate of liquidated damages for early repayment (12- repayment months). Do not accept inter-bank refinancing. Do not accept this business. 6. During the 5.5 1% adjustment of CITIC Industrial Bank, one year's interest or one month's principal and interest shall be paid as liquidated damages. Need to pay off all the original loans, and must provide proof of ownership of more than 2 houses. If you have a personal income certificate, you can apply for a pre-sale contract. You can consult the mortgage salesman of each branch for specific conditions and operating procedures. 7. In the 5.5 1% adjustment of Guangfa Bank, if the repayment time is less than one year, it shall pay liquidated damages, and the amount of liquidated damages shall be as agreed in the contract. Do not accept inter-bank refinancing. It must be handled through a loan guarantee company that has signed an agreement with the bank. 8. The benchmark interest rate of Shanghai Bank's first-hand housing loan is 6. 12% or less, the benchmark interest rate of second-hand housing loan is 5.5 1%, and the benchmark interest rate of second-hand housing loan is 6. 12%. If you buy a first-hand house and the loan ratio is below 60% (including 60%), you can enjoy 5.500. Those who buy second-hand houses do not enjoy preferential interest rates. The loan will be paid off in half a year without penalty. Do not accept inter-bank refinancing. Yes, you must prepare the income certificate, marriage certificate, pre-sale contract and business license of the developer. 9. Shanghai Pudong Development Bank 1 set of outstanding loans is 5.5 1%, the second set is 6. 12%, and the third set is raised 10%. Only after one year can the loan be repaid in advance. Generally, interbank lending is not accepted. Each branch has different regulations, so you can consult the branch in the area where the house is located. The adjustment of 10, Bank of Communications 6. 12% and VIP customers 5.5 1% depends on the relevant clauses of the loan contract. Only when there is a housing transaction contract can you apply for inter-bank lending, otherwise the developer must have a first-class qualification. (Source: Financial Investment News) With the tightening of bank loans, savvy buyers will find that different repayment methods will pay different interests. According to estimates, a loan of 500,000 yuan with a term of 30 years, with different repayment methods, has a difference of interest expenditure of 6.5438+0.2 million yuan. Therefore, how to save loan interest has become the most concerned issue for the current mortgage family. As we all know, the interest rate of provident fund loans is much lower than that of commercial housing loans, especially after the 30% discount rate is cancelled, the interest gap between the two will be even greater. Therefore, housing loans, provident fund loans are the most economical. The financial planner of a state-owned bank said that the use of provident fund loans can undoubtedly save a lot of interest for buyers who want to buy a second suite with commercial loans for the first suite. After the implementation of the new mortgage policy, the down payment for the second home must be 50%, and the minimum interest rate will rise by 10%. The advantages of provident fund loans are more obvious. As a kind of welfare housing loan, the provident fund loan policy has not changed at present. Not only can you make a down payment of 20%, but you can also enjoy a provident fund interest rate of 3.87%, which is lower than 30%. Relevant persons reminded that the upper limit of provident fund loans is 500,000 yuan, and the longest lending time is 30 years. If the house price is too high, buyers can use a combination of provident fund and commercial loans. In addition, because there is no distinction between one suite and two suites in the current provident fund mortgage, as long as the first provident fund loan or the first provident fund loan is paid off, the second provident fund mortgage can be used. Therefore, it is best to take commercial loans for the first home loan and provident fund for the second home loan. It is cost-effective to change the repayment method and save interest.

3. What is the interest rate of housing loan?

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