The benchmark interest rate of the loan announced by the bank is 4.35% from to June (including June), 4.35% from June to 1 year (including one year), 4.75% from 1 to 5 years (including five years) and 5 to 3 years (including 3 years).
3.25% for more than five years.
Extended information:
The advantages of mortgage purchase mainly include:
1. Mortgage loan solves the difficulty of raising a large amount of funds in a short time on the basis of installment payment, and decomposes the large amount of funds into long-term small funds to repay the loan.
2. The down payment of mortgage loan does not occupy a lot of money, and the repayment period is long, so limited funds can be used for multiple investments.
3. check the bank. Borrow money from banks, so banks naturally care about the quality of real estate projects. In addition to reviewing itself, banks will also review developers to improve the safety of buying houses. What is the 2-year mortgage interest rate?
At present, the benchmark lending rate of the central bank for more than five years is 4.9%, that is, the benchmark lending rate for 2-year mortgages is 4.9%, and the real interest rates of banks will be adjusted on the basis of 4.9%.
Extended information:
The mortgage interest rates of all banks in China are adjusted according to the benchmark interest rate of the central bank. At present, the benchmark loan interest rate of the central bank for more than five years is 4.9%, that is, the benchmark interest rate of the 2-year mortgage is 4.9%, and the actual loan interest rate of all banks will be adjusted based on the benchmark interest rate of the central bank.
Since 217, China's mortgage interest rate has been rising. Until 219, China's mortgage interest rate has a downward trend. At present, the mortgage interest rate of most banks in China has risen, and the average floating rate of the first suite is about 1%. If the interest rate rises by 1%, the mortgage interest rate for 2 years is 4.9%x(1+1%)=5.39%. What is the 2-year mortgage interest rate?
To apply for a 2-year mortgage, the loan interest rate is set with reference to the LPR of more than five years. Now the LPR of more than five years is 4.6%, and the bank will add some points to this interest rate to form the mortgage interest rate. If it is increased by 1 basis points, the loan interest rate will be 5.6%.
LPR will be recalculated and published once a month, so the mortgage interest rate linked to LPR is a floating interest rate. Although LPR will be recalculated every month, it does not mean that it will change every month, and it is still relatively stable most of the time.