The bank's loan interest rate is 4.35% within one year (inclusive) and 4.9% for loans over five years. Mortgage interest rate is the default floating interest rate, that is, the interest rate calculated based on LPR and the basis point is the final mortgage interest rate. LPR will change. The interest rate of LPR in June 2020 165438+ 10 is 3.85% for one year; The five-year period is 4.65%.

Extended data:

Bank mortgage interest is generally calculated according to the benchmark interest rate of the central bank, and different banks have different floating standards; Take the mortgage interest rate of Shenzhen Commercial Bank as an example:

1. Bank of China, Industry, Agriculture, Construction, Zhao Zhao and Beijing: the interest rate of the first suite rises 10% (5.39% for five years or more), and the interest rate of the second suite rises 15% (5.635% for five years or more);

2. Bank of Communications: the interest rate of the first suite rises 15% (5.635% for more than five years), and that of the second suite rises by 20% (5.88% for more than five years);

3. Industrial Bank: the interest rate of the first suite rises 15% (5.635% for more than five years), and the interest rate of the second suite rises by 40% (6.86% for more than five years).

Shenzhen loan interest rate 2022

Shenzhen loan interest rate 2022 Shenzhen Development Bank: the interest rate for six months (including six months) is 5.6%.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans.

It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

The decisive factors of bank loan interest are: bank cost. Any economic activity needs cost-benefit comparison.

There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. Supply and demand of loan funds.

If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.

What are the car loan interest rates of major banks in Shenzhen?

1. Shenzhen car loan interest rate is as follows: 1.

2. Ordinary loan for car purchase in Shenzhen, with interest of 5. 15%, interest = principal x interest rate x term.

3. If the vehicle is 6.5438+10,000 yuan, it will be 6.5438+10,000 yuan after three years of repayment.15% x3 =15450 yuan; 2. Car loan is a credit car loan issued by the bank for car buyers with tight funds.

4. Applying for this loan needs to meet certain application conditions; 3. For example, if you have a car purchase contract or agreement approved by the lender, you have a stable job and the ability to repay the principal and interest of the loan on time.

Shenzhen talent housing loan interest rate

Shenzhen Talent Housing Loan Interest Rate Most bank mortgage interest rates in Shenzhen are the first LPR30BP, the second LPR60BP, the first mortgage 4.6%(LPR30BP) and the second mortgage 4.9%.

The interest rate of Shenzhen provident fund loan is 2.6% for the first suite for less than 5 years (inclusive) and 3.1%for more than 5 years; The second suite is 3.025% for five years or less, and 3.575% for more than five years.

On June 1 65438+1October 2 1 2022, the People's Bank of China authorized the National Interbank Funding Center to announce the loan market quotation on June165438+1October 2 1 2022. The above LPR is valid until the next LPR version.

What is the interest rate of the first home loan in Shenzhen?

Shenzhen is a first-tier city, and the house price is naturally not low. It is difficult to buy a house in full, so most people choose to borrow money to buy a house. So what is the interest rate of the first home loan in Shenzhen, and what is the down payment for buying a house in Shenzhen? Do you know that?/You know what? Now let's have a look.

First, Shenzhen first home loan interest rate

During the period of 65438+ 10 this year, the interest rate of the first home loan in Shenzhen was 5.7 1%, which was as much as 1. 16 times higher than the benchmark interest rate and nearly 0. 18% higher than that in September. In addition, it is reported that the mortgage interest rate of some banks in Shenzhen has changed from 20% to 15%, and the loan review speed has accelerated, which is about 1 week.

Second, how much is the down payment for buying a house in Shenzhen?

1. When buying a house in Shenzhen, the down payment of the house cannot be less than 30% of the total value of the house. For example, a 2 million house with a down payment of 600,000. Of course, if you buy a second house, the down payment should not be less than 50% of the total house price, that is, you need to pay 654.38+00,000 yuan.

2. If you buy a new house, you need to calculate the down payment according to a certain proportion and the amount of the loan, but buying a second-hand house is different. Buyers can negotiate the amount of down payment with the owner, generally as long as it is not lower than the specified proportion.

3. Some developers, in order to sell their houses faster, will give certain discounts on the down payment. For example, the government will stipulate that the down payment needs to be 30% of the total house price. At this time, although the developer will also stipulate to pay 30% down payment, the developer will also give some concessions.

4. For example, for a house worth 2 million yuan, the government stipulates that 30% of 2 million yuan needs to be paid down, which is 600,000 yuan. Then, in order to attract more consumers, the developer will let consumers pay 20% down payment first, and the remaining 10% down payment will be paid by the developer, giving consumers 1 year time to deliver slowly, alleviating the pressure on consumers.

What is the interest rate of the first home loan in Shenzhen, and what is the down payment for buying a house in Shenzhen? I'll introduce you here first. You got it? With the reorganization of housing policy in Shenzhen, the interest rate of the first home loan is also changing. It is expected that the loan interest rate will be slightly adjusted back next year.

202 1 Shenzhen bank mortgage interest rate table

Shenzhen Bank is 4.6%. According to relevant information, the mortgage interest rates of various banks are based on different bank rules and regulations, including Shenzhen Bank 4.6%, Guangzhou Commercial Bank 4.3% and Dongguan Commercial Bank 4. 1%. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate.

So much for the introduction of Shenzhen bank loan interest rate.