1, four lines
First, China Bank, China Construction Bank, Industrial and Commercial Bank and Agricultural Bank. According to the data of relevant institutions, the loan basis points of the four major banks in China have increased compared with last year. If users apply for housing loans, the current average of the four banks is 5.2%, 55 BP higher than in previous years.
If users apply for other loans, the loan term is different and the loan interest rate is different. The data shows that the average loan interest rate has increased by about 10-20 basis points compared with previous years.
2. Other commercial banks
According to the data of relevant institutions, the loan basis of commercial banks in different regions is different. Shanghai Pudong Development Bank, Optical Bank, etc. At present, the average loan interest rate of housing loans is around 5.4%, which is about 55 BP higher than in previous years. Rural commercial banks, Shanghai Bank and other banks have also increased their loan basis points compared with previous years.
Major universities
The loan interest rates of major banks are constantly floating, and the loan interest rates of various banks are different. 4.35% for six months (inclusive), 4.75% for 1 year (inclusive) and 4.9% for 1-5 years (inclusive) of the central bank. Major banks can float according to the benchmark interest rate, and the upper limit of bank loan interest rate is no longer limited. The lower limit is 0.9 times of the benchmark interest rate, and the upper limit of the credit cooperative loan interest rate shall not exceed 2.3 times of the benchmark interest rate.
: What factors does the bank loan amount depend on?
1. Borrower's repayment ability: mainly refers to the monthly income of the lender, because the monthly income most intuitively reflects the borrower's repayment ability. The relationship between loan amount and monthly income can refer to the following formula: monthly income ≥ monthly mortgage repayment X2.
2. Age of the house: When the bank issues the loan, it will examine the age of the loan house. Usually, it takes 20-25 years, a little looser will take 30 years, and a little stricter will only take 15 or 10 years. The loan amount of second-hand houses with older houses may be reduced. In the case of strict banks, it can be said that the shorter the house age, the easier it is to get loans, and the loan amount is higher than that of banks.
3. Personal credit: Personal credit can be said to be one of the important criteria for banks to consider borrowers. Good credit information is a prerequisite for obtaining preferential interest rates and loans. Some banks will look at the credit card credit records of borrowers within two years and the loan credit records within five years. Some banks will look at the credit records for a longer period of time, and the requirements are different. Serious overdue credit reports for three consecutive times and six times in total may lead to loan rejection.
4. Guarantee ability: Some banks will also check the borrower's payment of medical insurance, endowment insurance, accident insurance and housing accumulation fund, because these can reflect the borrower's repayment ability from the side, among which medical insurance and endowment insurance are more important.