The five major banks of industry, agriculture, China, construction and communications, as well as many banks such as China CITIC Bank, China Merchants Bank and Bank of Beijing, have issued the latest notice to raise the interest rate of housing loans: the benchmark interest rate of the first suite is the lowest, and the benchmark interest rate of the second suite is up by 20%.

Second, what is the impact of the increase in loan interest rates on buyers?

After the loan interest rate is raised, buyers who apply for housing loans need to repay more interest than before; For those who are ready to buy a house with a loan, the increase in loan interest rate means an increase in the cost of buying a house.

What is the impact of the increase in loan interest rates on buyers?

Loan interest rate refers to the interest rate charged by banks and other financial institutions to borrowers when issuing loans. The fluctuation of loan interest rate directly affects the economic interests of both borrowers and borrowers.

If the loan interest rate increases, it means that the interest charged by the bank to the borrower is increasing; On the contrary, it shows that the interest charged by banks to borrowers is decreasing.

The mortgage part of the bank is mainly divided into two ways, one is fixed interest rate. If you sign this interest rate, you don't need to worry. Because no matter how the bank loan interest rate is adjusted, the loan is paid off according to the original standard.

The other is floating interest rate. Literally speaking, buyers' interest in loans will change with the fluctuation of interest rates.

For those who have already bought a house, as long as there is no supplementary change in the contract, there is no need to worry about the change of bank loan interest rate when repaying.

But for those who have not yet bought a house and are ready to borrow money to buy a house, the impact is enormous. The increase in the interest rate of bank loans shows that the interest that needs to be repaid by loans to buy a house has increased and the cost of buying a house has also increased.

Third, does the increase in the number of buyers and borrowers lead to an increase in interest rates?

For * * * and lenders, it can be roughly divided into two situations.

One is that if the parents are the same lender, the oldest lender will be selected as the evaluation standard according to the situation, which means that the loan period will be shortened, but the total interest paid will naturally be much less. For example, Xiao Wang and his wife took a fancy to a three-bedroom apartment with a total price of 2.8 million. If the original house purchased in full is not sold, the down payment can only be around 900,000. When their father participated as a lender, the loan was10.9 million yuan, and the bank allowed the lender to repay for 22 years at the longest. In this way, the monthly repayment amount is about 6,543,800 yuan, but the interest paid is about 270,000 yuan less than expected.

In addition, some banks implement another * * * loan-sharing policy: the youngest of all * * * borrowers is the evaluation standard as appropriate. This policy can not only guarantee the overdue loan amount, but also extend the loan period. The fly in the ointment is that the repayment interest may increase. Similarly, taking Wang Xiao's loan of 6,543,800+0.9 million as an example, the repayment period can be increased to 30 years, and the monthly repayment amount can be reduced to 9,300 yuan.

"Master loan" needs to fill in the credit information of high-income people, and it is best to inquire in advance.

* * * The same borrower has multiple restrictions. For example, the same borrower not only requires immediate family members to include husband and wife, children and parents, but also must be one of the owners of the mortgaged property. Parents should not be over 65 years old for women and 70 years old for men. Because * * * is the same lender, it can also be divided into "main loan" and "participating loan". Under normal circumstances, the "main loan" should choose the lender with the highest income and stability, so as to lend more.

In addition, before preparing to buy a house, you must check your credit record, especially the credit information of the "main loan", which will directly affect whether the bank can lend money. If you can't apply for a loan for your own reasons, you must pay the liquidated damages stipulated in the house purchase contract. Therefore, if you choose * * * with loans, all lenders need to check their credit information in advance, which is the safest.

4. What is the impact of the increase in mortgage interest rate on buyers?

The impact of the increase in mortgage interest rate on buyers is as follows:

1. As long as the benchmark interest rate is not adjusted, the increase in mortgage interest rate has no effect on the loans already issued.

2. The loan interest is calculated according to the floating interest rate, and the interest is adjusted with the interest rate adjustment. Of course, no matter how it is calculated, it has no effect on the interest paid. Will have an impact on the adjusted interest. After the general bank interest rate adjustment, the interest rate of the outstanding part of the loan is also adjusted accordingly, which has three forms:

First, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, ABC and CCB are all like this);

The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage);

Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day.