1. What is the interest rate of commercial housing loan?
1, the interest rate of housing commercial loans has always been a topic of concern, involving the total amount of late repayment and people's economic burden. So what is the interest rate of commercial housing loans? It needs to be seen according to the specific duration.
(1) Short-term loan: within one year (including one year), 4.35%;
(2) Medium and long-term loans: one to five years (including five years), 4.75%.
(3) More than five years: 4.90%.
2. If you choose provident fund loan, the loan interest rate is as follows:
(1) Less than five years (including five years), 2.75%;
(2) More than five years, 3.25%.
3. The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124/0 to further reduce the social financing costs. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged.
Second, the housing commercial loan interest rate adjustment policy
1. Considering the current situation of the real estate industry, on August 25th, 2009, the central bank issued the Announcement on Interest Rate Adjustment of Newly Issued Commercial Personal Housing Loans. From the calculation logic, China's family housing loans bid farewell to the "benchmark interest rate" and will be linked to the LPR interest rate.
2. Since 20 19 10/8, the new commercial personal housing loan interest rate is formed by adding the quoted loan market interest rate with the corresponding term of nearly one month as the pricing benchmark. The added value shall meet the requirements of national and local housing credit policies, reflect the loan risk and be fixed during the contract period.
After (1) 10, the word "benchmark interest rate" will not appear, and there is no such thing as "how many times it has risen". And "bonus points" will become an agreement in the mortgage contract: bonus points should meet the requirements of national and local housing credit policies. If the contract says 100 points will be added, then 100 points will be added during the 30-year loan period, while the standard 1 "basis point" is one ten thousandth, and 100 points is 1. If you add 100, it will reach 5.85%, that is to say, for the same1000000 mortgage, you will have to pay more interest of1000000, so you should buy a house sooner rather than later!
(2) According to the previous policy, if the interest rate is raised or lowered in the current year, the "monthly payment amount" from June 65438+1 October1of the following year will be recalculated. But it's different now. It may or may not change every year. Let's take "Jia 100" as an example. If there is any adjustment, for example, 4.85% rises to 4.95%, which means it will change in the second year and become 4.95%+ 1.00%=5.6%.
(3) This policy directly stipulates that the interest rate of the second home loan is not lower than 4.85%+0.60%, that is, 5.45%.
(4) The interest rate of the second suite has not been raised for the second time, and there is a second increase! 5.45% is only the lower limit of the country. If it is a province with high pressure of rising house prices, it needs provincial regulation. If you add 25 points, it is 5.7%!
(5) If you want to ask how "Jia 100" came from? For example, if you go to the bank for a loan, if your qualification is not up to standard, then the bank can ask for an extra 15 points!
(6) Mortgage is an "additional" loan service for existing housing borrowers. The sum of the mortgage loan amount and the original loan balance can reach 70% of the appraised value of the house. There are not many such loans on the market at present.
(7) The official implementation date of this policy is 20 19 10.08, and there is still a buffer period of more than one month, including the old house policy and the new house policy.
(8) For commercial buildings, office buildings and commercial and residential buildings, the current month is not less than LPR+60 basis points, and the interest rate of the first suite provident fund remains unchanged.
III. Interest rate of housing commercial loans in 2020
1, want to know what is the interest rate of housing commercial loans in 2020, first of all, we have to know the adjustment of the national commercial loan interest rate during this year:
The central bank cut interest rates five times in one year, and the benchmark interest rate for commercial loans with a term of more than five years dropped from 6. 15% at the beginning of the year to 4.9% at present. This interest rate cut is rare in the interest rate policy in recent years. According to the interest rate adjustment rules of most mortgages, the benefits of interest rate cuts will take effect in the following year. In other words, from next month, most people's mortgages will be greatly reduced.
2. As far as the current situation is concerned, the interest rate of housing commercial loans in 2020 is as follows:
(1) Short-term loans
Interest rate within one year (including one year): 4.35
(2) medium and long-term loans
Interest rate for one to five years (including five years): 4.75
Interest rate for more than five years: 4.90
(3) individual housing provident fund loans
Interest rate for less than five years (including five years): 2.75
Interest rate for more than five years: 3.25
3. With the constant change of the loan interest rate market, most joint-stock commercial banks now have the right to decide the loan interest rate independently, which leads to different mortgage interest rates of different banks. The decision of housing commercial loan interest rate still needs the policy of the loan bank and the application qualification of the lender.
The above is about
What is the housing commercial loan interest rate, the housing commercial loan interest rate adjustment policy, and the housing commercial loan interest rate 2020, I hope to help everyone. Interested friends can also check it out.