Local banking institutions are allowed to float on the basis of the benchmark interest rate according to different local policies, and it is recommended to consult the nearest outlets about the actual implementation of interest rates.

What is the interest rate of 20 17 mortgage?

In 20 17, the national average interest rate on housing loans was 5.3%. The benchmark interest rate stipulated by the central bank in 20 17 is as follows:

First, the benchmark interest rate of commercial bank loans

1, short-term loans:

Six months 4.35%

Six months to one year 4.35%

2. Medium and long-term loans

More than one year to three years 4.75%

More than three years to five years 4.75%

More than five years, 4.90%

Two, provident fund loans (housing provident fund) benchmark interest rate

Under five years, 2.75%

More than five years, 3.25%

Extended data:

201July, the average interest rate of the first home loan in China was 5.30%, which was equivalent to 1.08 times of the benchmark interest rate, which was 1.53 percentage points higher than that in September, and the chain growth rate was 0.48 percentage points lower than that in September. Compared with last year, the average interest rate of the first home loan in June 65438+ 10 was 4.44%, up by 19.37 percentage points.

The average interest rate of the first home loan in first-tier cities rose slightly, breaking 5.25% except for Shanghai and other three cities. 20 17, 10 The average interest rate of the first home loan in the first-tier cities in Beijing, Guangzhou and Shenzhen is between 4.90% and 5.35%. The average interest rate of the first home loan in Beijing is 5.28%, that in Guangzhou is 5.3 1%, and that in Shenzhen is 5.35%. The average interest rate of the first home loan in other second-tier cities kept rising, and the overall floating rate decreased.

Commercial banks implement new interest rates. If the loan term exceeds one year, the loan interest rate will be adjusted once every June 65438+ 10/0/. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted.