Reporters recently found that whether buying a first-hand house or a second-hand house, the bank's mortgage interest rate is still relatively tight, and it is rare to have a loose discount. So, what is the interest rate of the first home loan of 20 16? Look at the survey report below.
The interest rate of second-hand housing and first-home loans rose 10%.
"I have asked a number of banks now and they all said that interest rates are floating. Don't mention the preferential interest rate, I just want to return to the benchmark interest rate on the day of lending. " Miss Zhu, who bought a second-hand house in Dongcheng, said that the current preferential mortgage interest rate has lowered expectations. Miss Zhu signed a house purchase contract with the seller in June165438+1October last year. However, due to the cumbersome transfer process of second-hand housing, the house has not been transferred to Miss Zhu's name, which means that the bank loan procedures have not yet been completed. "The problem of the program itself has been dragged on until now, which is not bad. After all, the interest rate at the end of last year was basically 10%. "
The manager of the intermediary company that Miss Zhu entrusted to buy a house said that the housing loan she applied for had been applied for at the end of last year. At present, the bank has only given the proof of agreeing to the loan, and the specific interest rate should be based on the day of lending. This also means that if you go through the formalities normally, you can lend money normally after the Lunar New Year, and the mortgage interest rate may still change. "Under normal circumstances, after the Spring Festival, the bank quota is more relaxed and the interest rate may be more relaxed." The business manager said.
According to relevant sources, since June 5438+ 10 this year, the quota of major banks has slightly improved. "Our company approved a lot of overstocked loans years ago." However, the loosening of loan interest rate is not obvious. The reporter found that at present, only the interest rate of the first home loan of China Construction Bank has been adjusted from 10% at the end of last year to 5% at present, while other banks including China Bank, Agricultural Bank, Industrial and Commercial Bank of China and Dongguan Bank still maintain a high interest rate of 10%. China Construction Bank has given the benchmark interest rate of loans above 6,543,800+0,000.
A loan business manager of Bank of China Hengli Sub-branch said that even if it rose by 10%, it did not stop the enthusiasm of buyers. "They still accepted the loan interest rate of 10%. During this period, our business did not increase or decrease significantly. "
First-hand housing loans generally rose by 5%
In terms of first-hand housing, it is even more difficult for the market to see the discount of 8 .5% off the mortgage interest rate, and it is also "non-mainstream" to achieve the benchmark interest rate. For example, the Postal Savings Bank provides 6 .55% benchmark interest rate for first home loans to big brand developers such as Country Garden. But industry and commerce, China Construction Bank, Agricultural Bank, etc. Still keep the benchmark interest rate up by 5%, that is, the annual loan interest rate is 6 .87%.
For the loan interest rate of the second suite, the policy range given by most banks to cooperative brand developers is 10%, such as Vanke, Country Garden, etc., while other properties are raised to 15%. A number of bankers said that due to the backlog of a large number of mortgage customers at the end of last year, the newly opened quotas of banks are mainly "equal loan" customers at the end of last year. New applicants may continue to queue up this year, and there will be more places after the Spring Festival.
The above is the 20 16 first home loan interest rate introduced by Bian Xiao. I hope it will help you. For more information about the interest rate of the first home loan, please continue to pay attention to Tubatu Decoration Network.
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What is the bank loan interest rate of CCB 20 16?
20 16 loan interest rate table of China Construction Bank:
Current account 0.35; Three-month fixed term1.1; Semi-annual term1.3; One-year term1.5; Biennium 2. 1.
The calculation method of interest rate is
I. Basic formula for calculating interest The basic formula for calculating interest on savings deposits is: interest = principal × deposit period × interest rate.
II. Conversion of Interest Rate The conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (days); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). Pay attention to the consistency with the deposit period when using interest rates.
3. Interest starting point 1. The starting point of interest for savings deposits is RMB, and no interest is paid for cents below RMB. 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid. 3. Except that the current savings are settled on an annual basis and the interest can be converted into principal, regardless of the deposit period, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest.
Iv. Calculation of deposit period 1, and the calculation of deposit period adopts the method of counting the first number and the last number. 2, regardless of the big month, small month, flat month, leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days. 3. The maturity date of all kinds of deposits shall be calculated on an annual and monthly basis. If the account opening date is the missing date of the expiration month, the expiration date should be the last day of the expiration month.
Verb (abbreviation of verb) Calculation of interest on savings deposits The interest rate of savings deposits shall be subject to the interest rate published by the People's Bank of China, and the original currency shall be used for savings, and the original currency shall bear interest (the second currency can be converted into RMB according to the foreign exchange quotation of the day). Its interest-bearing provisions and calculation methods are compared with RMB deposit methods.
The loan interest rate table ranges from 20 16 to 202 1
The latest list of housing loan interest rates, the annual interest rate of the adjustment project of Bank of Communications housing loan interest rate table is 20 16% 1. Short-term loans within six months (including six months) 4.35 Six months to one year (including one year) 4.35 2. Medium-and long-term loans for one to three years (including three years) 4.75 Three to five years (including five years) 4.75 More than five years 4.9 3.
First, the benchmark loan interest rate.
The benchmark interest rate for loans is issued by the People's Bank of China, and the actual interest rate implemented by the bank fluctuates on the basis of the benchmark interest rate. The loan interest rates of different regions, different banks and different loan products will be different.
202 1 latest benchmark interest rate table for bank loans: half-year interest rate 4.35, one-year interest rate 4.75, and one-to-five-year interest rate 4.9; Provident fund loans: the interest rate for less than five years (including five years) is 2.75, the interest rate for more than five years is 3, the annual interest rate for short-term loans of the central bank is 4.35, and the annual interest rate for medium and long-term loans is 4.75; The annual interest rates of short-term loans and medium-and long-term loans of ICBC, Agricultural Bank and China Construction Bank are the same. And since April, 2002 1,1,the interest rate of the second set of self-occupied housing loans for employees who newly apply for housing provident fund loans has risen by 1. 1 times according to the interest rate of the first set of housing provident fund loans in the same period.
Second, the loan market quotation (LPR)
The loan market quotation (LPR) is quoted by the quoting banks according to the open market operating interest rate (mainly referring to the medium-term lending convenience rate), and is calculated by the National Interbank Funding Center to provide pricing reference for bank loans. LPR quotation banks now include 65,438+08 banks. Before 9: 00 on the 20th of each month (postponed in case of holidays), each quotation bank shall submit the quotation to the National Interbank Funding Center in steps of 0.05 percentage point. After excluding the highest and lowest quotations, the National Interbank Funding Center calculates the LPR arithmetically, rounding it to the nearest integer multiple of 0.05%, which will be announced at 9: 30 on the same day, and the public can borrow money from banks nationwide. At present, LPR includes 1 year and more than 5 years. According to the announcement of the People's Bank of China (Announcement [20 19]No. 15), the quotation rate (LPR) of the loan mall will be calculated according to the new composition mechanism from August 20, 20 19.
The latest pricing of 202 1 lpr interest rate is as follows: the one-year lpr interest rate is 3.85%, and the five-year lpr interest rate is 4.65%; The data shows that this month's LPR interest rate is the same as that of last month.
What is the loan interest rate of China Construction Bank?
The personal loan interest rate of China Construction Bank is based on the latest benchmark interest rate issued by the People's Bank of China, which fluctuates according to different situations. At present, the latest benchmark interest rate of China People's Bank is:
Construction Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
ChinaConstructionBank, formerly known as People's Construction Bank of China, was established in June 1 954+1October1(later renamed China Construction Bank on March 26th, 1996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. 20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Construction Bank ranked it as 14. In 20 18, Fortune Global 500 ranked 3 1.
20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. "Belt and Road" China enterprises ranked 40th on the 100 list. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100. 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.
How much is the loan interest of China Construction Bank?
1. The loan interest rate of China Construction Bank is determined according to the lender's situation with reference to the RMB loan benchmark interest rate. The general interest rate will go up 10%-30%.
2. According to the latest deposit and loan regulations of the central bank, the interest rate standard of CCB loans is: 4.35% within one year (including one year), 4.75% within one to five years (including five years) and 4.90% over five years; The interest rate of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years. .
3. China Construction Bank loan conditions: First, there must be a fixed income, depending on the salary details; 2. At least 18-50 years old, before 65 years old; Three, if the loan is used for business or car purchase, there must be a guarantor and mortgagor; Four, no bad credit record, the monthly payment is not higher than 50% of the family wage income. The specific conditions will be appropriately adjusted according to the types of loans.