Since 20 15, 10124, the central bank's benchmark interest rate has not changed, as follows:

1, the benchmark interest rate of commercial mortgage.

(1) Within one year, the interest rate is 4.35%.

(2) The loan term is one to five years and the interest rate is 4.75%.

(3) If the loan term exceeds five years, the interest rate is 4.90%.

2. benchmark interest rate of provident fund mortgage.

(1) The loan is within 5 years, and the interest rate is 2.75%.

(2) If the loan is over 5 years, the interest rate is 3.25%.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low;

On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Processing flow:

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB conducts loan approval.

4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

commercial loan interest rate

As of June 65438+1October 65438+March 2020, the benchmark annual interest rate of commercial loans is 0-6 months (inclusive), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate: 4.90%.

Housing commercial loan interest rate 2022

1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year); 2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years; 3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years. The above is the interest rate of commercial loans in 2022. Can I borrow from other banks after the loan? After the loan, you can still borrow from other banks, but the success of the loan depends on the regulations of the bank and the personal qualifications of the users. If the previous loan is not overdue, the success rate of users applying for loans in other banks will be much higher. If it is overdue, other banks will reject the user's loan application. Whether it can be refinanced depends on users' repayment ability, cash flow, assets and liabilities, as well as products and market conditions. Users can apply for loans if they have rich personal assets, strong repayment ability and no problem with their reputation. However, it should be noted that if the user's immediate loan is a provident fund loan, he can no longer apply for a provident fund to buy a house without paying it off, but he can apply for a commercial loan or a consumer loan. How long can the bank loan come down? How long does it take to approve the bank loan? Mainly depends on the type of loan. Generally speaking, payment can be made within one week after the application for credit loan and about one month after the application for housing loan. Moreover, when users apply for bank loans, they can ask the credit specialist to estimate the length of the next repayment. As long as there is no policy change, this estimated length is usually more accurate.

What's the interest rate for commercial loans?

At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.

What's the interest rate for commercial loans?

At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.