Authorized by the People's Bank of China, the National Interbank Funding Center announced that on April 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and over 5 years, 4.6%. The above LPR is valid until the next LPR version.
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What is the mortgage interest rate in April 2065438+2007?
The mortgage interest rate in April 2065438+2007 is:
In 20 17, the national average interest rate on housing loans was 5.3%. The benchmark interest rate stipulated by the central bank in 20 17 is as follows:
First, the benchmark interest rate of commercial bank loans
1, short-term loans:
Six months 4.35%
Six months to one year 4.35%
2. Medium and long-term loans
More than one year to three years 4.75%
More than three years to five years 4.75%
More than five years, 4.90%
Two, provident fund loans (housing provident fund) benchmark interest rate
Under five years, 2.75%
More than five years, 3.25%
Extended data:
201July, the average interest rate of the first home loan in China was 5.30%, which was equivalent to 1.08 times of the benchmark interest rate, which was 1.53 percentage points higher than that in September, and the chain growth rate was 0.48 percentage points lower than that in September. Compared with last year, the average interest rate of the first home loan in June 65438+ 10 was 4.44%, up by 19.37 percentage points.
The average interest rate of the first home loan in first-tier cities rose slightly, breaking 5.25% except for Shanghai and other three cities. 20 17, 10 The average interest rate of the first home loan in the first-tier cities in Beijing, Guangzhou and Shenzhen is between 4.90% and 5.35%. The average interest rate of the first home loan in Beijing is 5.28%, that in Guangzhou is 5.3 1%, and that in Shenzhen is 5.35%. The average interest rate of the first home loan in other second-tier cities kept rising, and the overall floating rate decreased.
Commercial banks implement new interest rates. If the loan term exceeds one year, the loan interest rate will be adjusted once every June 65438+ 10/0/. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted.
Interest rate of Suzhou provident fund loan in April 2022
In April 2022, the interest rate of Suzhou provident fund loan was 3.25%, including 4.75% for commercial loans, 3.25% for provident fund loans and 2.75% for government subsidized loans. In addition, the Suzhou municipal government has also provided some preferential policies, such as extending the loan term and lowering the loan interest rate, in order to reduce the burden on property buyers.
Changsha mortgage interest rate in April 2022
The interest rate of Changsha mortgage in April 2022 mainly depends on the loan term, loan amount and lender's credit status. Under normal circumstances, the down payment ratio of Changsha residents to purchase housing is 20%, and the loan period of Changsha residents is no longer than 30 years. The interest rate standard is 30% off the benchmark interest rate.
In April 2022, the benchmark interest rate in Changsha was 3.85%. According to the standard of 30% discount, the interest rate of Changsha residents' loan is 2.69%, which is slightly lower than that of the previous year. However, it should be noted that the above interest rates are for reference only, and the actual interest rate is subject to the bank's evaluation. In addition, the lender's credit situation will also affect the loan interest rate. The better the credit of the lender, the lower the interest rate.
202 1 What is the mortgage interest rate of China Construction Bank in April?
According to the policy of China Construction Bank in 20021April, there are two main mortgage interest rates here. One is the benchmark interest rate. Under the latest policy, the comprehensive interest rate of the first set of commercial loans is 3.85%, and that of the second set of commercial loans is 4.9%. The other is floating interest rate. As for the floating interest rate policy, China Construction Bank has also provided a series of preferential policies. By implementing different interest rate strategies under different conditions, the interest rate level can enjoy lower concessions.
Let's stop here when the benchmark interest rate for loans was introduced in April.