Will the benchmark mortgage interest rate fall in 2022? The benchmark mortgage interest rate may fall in 2022. In 2022 1 October 20th, the loan market quoted interest rate (LPR) was:1year LPR was 3.7%, and the LPR over five years was 4.6%. Among them, the LPR linked to mortgages for more than 5 years was lowered by 5 basis points this time.
As the benchmark anchor of mortgage interest rate, the decline of LPR in the past five years means the reduction of residential housing mortgage loan cost.
65438+20221October, 103, the interest rate of the mainstream first home loan in the city was 5.56%, and the interest rate of the second home loan was 5.84%, both down by 8 basis points from last month; The average lending period this month is 50 days, 7 days shorter than last month.
Lpr is the quoted interest rate in the loan market. There are two terms: 1 year and more than 5 years. The main difference between the two is that the time is different and the pricing interest rate is different, but the nature is the same.
The Lpr interest rate for five years or longer is usually higher than the one-year interest rate. The loan interest rates within 1 year and 1 year to 5 years can be set by the lending bank. One-year lpr will be applicable to general loans within five years; For loans of more than five years, lpr of more than five years is applicable.
Because the term of mortgage is often twenty or thirty years, the mortgage interest rate is basically five-year lpr. Of course, lpr is only a pricing benchmark, and the mortgage interest rate is formed by adding points on the basis of lpr, so the mortgage interest rate depends on adding points. For example, the mortgage interest rate in a certain place is lpr plus 60 basis points, and the customer has handled a mortgage. In the month of signing the contract, the lpr is 4.75%, and the mortgage interest rate is 4.75%0.6% (one basis point is equal to 0.0 1%).
Second, the housing bank loan interest rate.
20 13 housing loan policy The bank loan interest rate shall be implemented according to the relevant regulations of the People's Bank of China, and the interest rate shall not be lower than 1. 1 times the interest rate of the same grade in the same period announced by the People's Bank of China. If the loan term is less than one year, the interest will be calculated according to the contract interest rate, and the interest rate will remain unchanged when the statutory interest rate is adjusted; If the loan term is more than one year, if the legal interest rate is adjusted, the new interest rate level will be implemented at the beginning of next year according to the corresponding interest rate grade.
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3. What is the interest rate of real estate commercial loans?
20 10 can be described as a year of real estate policy regulation. In the first half of the year, the first round of regulation was triggered by the "National Eleventh", and the "most stringent New Deal in history" was introduced. In the second half of the year, policies such as increasing the down payment for the first home and raising interest rates were introduced one after another, which triggered the second round of regulation of the real estate market. After a year of regulation and control policies, what changes have taken place in the interest rate of housing commercial loans?
Change 1: The minimum down payment for the first home loan of commercial loans is 30%.
Adjust the preferential interest rate to 15%.
One of the policy changes in the mortgage market is that the down payment for the first suite of commercial loans was uniformly adjusted to 30% in September, and the previous provision of 20% down payment for 90 square meters was cancelled. Then, the banks unanimously adjusted the preferential interest rate of the first suite to 15%, which was "tacit" to each other. The down payment for the first suite and the increase in preferential interest rate discounts have largely curbed the demand for first-time home buyers.
However, provident fund loans are not tightened across the board in the first home loan policy. Still taking 90 square meters as the boundary, the differentiated credit policy is implemented, that is, the minimum down payment for the first purchase of 90 square meters and below is 20%, and the minimum down payment for the first purchase of 90 square meters and above is 30%.
Change 2: the policy of "recognizing the house and recognizing the loan" for the second suite of commercial loans
50% down payment, 1. 1 times higher interest rate.
20 10 another word with a high rate of appearance in the real estate loan market is "recognizing both the house and the loan", and the detailed rules of "recognizing both the house and the loan" for the second apartment entered the formal practical stage in July this year. If the borrower finds that the house that has been purchased in full at the time of purchase has not been sold, the second house is still recognized as the second suite; For borrowers who have borrowed money to buy a house before, even if the property purchased by the loan has been settled and sold, it will still be considered as a second suite when they borrow again. According to the second-home policy, if the property buyer is identified as a second home, the loan will be refinanced according to the down payment of 50%, and the interest rate will rise by 1. 1 times. The strictness of the second home loan has put favorable pressure on the speculative investors.
Change 3: The third mortgage lender stopped lending.
On the third home loan, commercial loans and provident fund did not "go their own way" like the first and second home loans, but reached an agreement on the loan rhythm, and it was strictly forbidden to issue the third home loan. At the same time, in strict accordance with the recognition standard of "recognizing the house and recognizing the loan", if the borrower already owns two sets of houses with full payment and has not sold them, or has had two loan records in the name of the borrower, no matter whether the loan is settled or whether the property is sold, it is impossible to use commercial loans or provident fund loans to purchase houses again. Third-home loan suspension is directed at speculators, so that macro-control policies can truly protect low-and middle-income families from buying houses, which is more conducive to stabilizing the trend of excessive housing price increase in Beijing.
20 10
65438 Since this year1October 20th, the benchmark interest rate of RMB deposits and loans of financial institutions has been raised by 0.25 percentage points, and the interest rate of mortgage loans over five years has been raised from 5.94% to 6. 14%. According to relevant regulations, most commercial banks began to adjust the loan interest rate from June 65438+ the following year1October 10.
20 12
From June 8, 20 12, the benchmark interest rate of RMB deposits and loans of financial institutions will be lowered. The benchmark interest rates for one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively to the level of 2011April 6.
20 13
1October 20 13 14 to lower the benchmark interest rate of RMB deposits and loans of financial institutions. The benchmark interest rates for deposits and loans of financial institutions were lowered respectively.
(The above answers were published on 20 13-02-20. Please refer to the actual situation for the current purchase policy. )
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