"Now the loan interest of the first home loan of the four major banks in Huizhou has dropped to 4.25%, and the previous lowest point was 4.8%, while the interest of the second home loan has dropped to 5.05%." According to relevant sources of the real estate industry association, since the central bank announced the reduction of the loan benchmark, many banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank, have reduced the loan interest rate from the previous 4.8% to 4.25%.
As of May 3 1 day, the loan business of Huizhou ICBC, China Construction Bank, Agricultural Bank of China, Agricultural Bank of China, Bank of Communications, Guangfa, Postal Savings, Ping 'an, China Merchants, China Everbright, Longmen Rural Commercial Bank and Shanghai Pudong Development Bank1day dropped from the lowest to 4.25%, which greatly reduced residents' housing expenditure and eased the loan shortage.
1100,000 loan, interest of 500,000 can be reduced or exempted after 30 years. According to the data, the interest on the first and second home loans in Huizhou is 6.5%, and the interest on the second home loan is 7.0%. In 2022, the interest on the first and second home loans in Huizhou was 4.25%, and the interest on the second home loan was 5.05%.
According to the minimum standard of housing mortgage loan, the first housing mortgage loan in 30 years is 1 million, and it is an equal mortgage. So what is the total mortgage fee and interest that you need to pay for buying a house in May and now?
Buying a house in May, 20021year: according to the loan interest rate of 6.5% in Huizhou at that time, the monthly repayment amount is 6320.68 yuan, and the interest for 30 years 1275444 yuan.
Buying a house in May 2022: The current loan interest rate in Huizhou is 4.25%, the monthly repayment amount is 49 19.4 yuan, and the accumulated interest for 30 years is 770,983.
According to the calculation, the difference between buying a house and buying a house, because of the difference in interest rates, the mortgage with the same price will be paid back to 140 1.28 yuan every month, and the interest expense within 30 years will be 50446 1 yuan. The interest rate cut will greatly reduce the purchase of houses by residents and reduce the loan burden.
The above is the answer to the interest rate of the first home loan in Huizhou. I hope the above content is helpful to you.