Loan market quoted interest rate (LPR): 1 year interest rate 3.85%, 5-year interest rate 4.65%, unchanged for 11 consecutive months.
1, the interest rate of the first suite in Changzhou Jintan is mostly kept between 5.05% and 5.15%, and the interest rate of the first suite in the Postal Savings Bank can be as low as 5.02%.
2. With the release of the New Deal, the down payment ratio of the first suite and the second suite in Changzhou Jintan has been set at 30% and 60%, and the mainstream interest rate of the second suite has also been maintained at 5.25%-5.35%.
3. Most interest rates have not changed, and most prime banks have not been affected by this, but some smaller banks have difficulties in lending.
4. The interest rate trend has gradually stabilized, and there is little room for a sharp downward adjustment in the near future.
The interest rate of personal provident fund loans is lowered.
Financial institutions provide loans for residents to purchase ordinary self-occupied houses for the first time and improved ordinary self-occupied houses. The lower limit of the loan interest rate can be extended to 0.7 times of the benchmark loan interest rate, and the minimum down payment ratio can be adjusted to 20%. At the same time, the interest rate of individual housing provident fund loans was lowered, and the interest rates of all grades were lowered by 0.27 percentage points respectively. The lower interest rate limit, minimum down payment ratio and preferential interest rate of housing provident fund loans for residents in Wenchuan earthquake-stricken areas remain unchanged.
The central bank said that the adjustment of the lower limit of the loan interest rate and the minimum down payment ratio will be implemented on June 27, 2008.
Table of mortgage interest rates of four major banks in Changzhou in 2022
List of Four State-owned Banks with Mortgage Interest Rate in 2022:
No.1 bank first suite interest rate second suite interest rate
China Construction Bank 5.9%(LPR 125BP)
6.35%(LPR 170BP)
2. Industrial and Commercial Bank of China 5.9% (LPR 125 basis points) 6. 1% (LPR 145 basis points)
3. Agricultural Bank of China 5.8% (LPR115bp) 5.95% (LPR130bp).
4. China Bank 6.35% (LPR170bp) 6.5% (LPR150bp).
What is the commercial loan interest rate in Changzhou?
The interest rate of commercial loans in Changzhou is generally based on the benchmark interest rate of commercial loans of the central bank. The bank raises the loan interest rate according to the actual situation of the lender, and the fluctuation range is generally between 15%-25%. Then the commercial loan interest rate in Changzhou is between 5.635% and 6.12%, which is actually subject to the bank's audit results.
In addition, through different banks, the interest rate of applying for Changzhou commercial loan will be different, such as the first suite of Agricultural Bank of China floating 15%, and the second suite floating 20%; The first suite of China Merchants Bank rose by 10%, and the second suite rose by 15%.
What is the interest rate of Changzhou mortgage?
From the current point of view, because the price of the house is too expensive, we must always pay attention to the dynamics of the housing market when buying a house, so as to buy an affordable and suitable house. What is the mortgage interest rate for buying a house in Changzhou? What are the precautions for buying a house? Let's take a look with Bian Xiao. I believe it will bring you different views.
What is the interest rate of Changzhou mortgage?
1. For the first suite, Changzhou mortgage interest rate rose from 10% to15% today; The down payment is 20% for some quality customers except ICBC, and 30% for other banks. 2. Second-hand housing, most banks need a down payment ratio of 30%, and interest rates will rise by 20%; The down payment ratio of the second suite of China Merchants Bank needs 40%, and the interest rate rises 15%.
What are the precautions for buying a house in Changzhou?
1, housing property rights, environment
Before buying, we must first understand the ownership of the house. If this data is not obvious, or there is a room, you must buy it carefully, and it is best not to buy it; At the same time, we should also pay attention to the environment of the house and the quality of the lot, which has a great impact on the convenience of our life and the appreciation of the house. If it is a remote place, there is a lot of room for appreciation if the government plans.
2. House design
For many commercial houses now, the layout is not very good, because buyers must make clear the size of the area and the indoor pattern when purchasing, which requires considering the economic situation and family characteristics and leaving room for the future; In addition, don't just want to be cheap. Cheap products are definitely not good products, and expensive products must have its value; Buying a house is definitely expensive, and it is easier to add value or change hands in the future.
3. Purchase contract
In the signed contract, the obligations and responsibilities of both parties must be clearly defined to avoid disputes caused by the delay in delivery due to lack of funds; In addition, in addition to the owners who want to move in first, they need to carefully check the content of property management, understand the scope of property management and the specific standards of charges, and avoid unreasonable charges in the management process and the lack of projects set up in the future, which is unnecessary.
Summary: Well, this is the introduction of Changzhou mortgage interest rate. I hope I can give you some help. I believe that in the process of understanding Changzhou mortgage interest rate, friends will be more handy and get their own satisfactory answers.