1. How to calculate the ICBC mortgage interest rate in 2012
The floating rate. It is based on the base interest rate or the local ICBC. Find a home loan online and get the interest and repayment amount of each period
2. What is the interest rate of Industrial and Commercial Bank of China home loan in 2022
1. Commercial loan: loan within one year The benchmark loan interest rate (including one year) is 4.35, and ICBC is 4.86. The loan period is 1 to 5 years (including 5 years). The benchmark loan interest rate is 4.75. The actual loan interest rate of ICBC is about 5.40. Loans over five years are all long-term loans. , the interest rate of the benchmark loan is 4.9, and the ICBC is 5.94. 2. Provident fund loan: the interest rate of the loan with a loan term of less than five years (including five years) is 2.75, and the interest rate of the loan with a term of more than five years is 3.25. : 1. The process of applying for a mortgage to buy a house; 1. After completing the relevant procedures, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time, the repayment method and other rights and obligations. After the review confirms that the home buyer meets the conditions for the mortgage loan, the home buyer will be issued a loan consent notice or a mortgage loan commitment letter; 2. The home buyer can sign the "Commercial Housing Pre-Sale" with the developer or its agent, requiring the home buyer to apply for life insurance: 3. Handle mortgage registration, insurance, term, interest rate, sales contract, and select a property; 4. Confirm whether the property built by the developer is supported by the bank to ensure the smooth acquisition of the mortgage loan. In order to prevent loan risks; 5. Under normal circumstances, due to the relatively long mortgage loan period, it is necessary to apply for a mortgage loan; 6. Sign a house purchase contract as the purchase price of the house buyer; 2. The loan object The loan object should be a natural person with full civil capacity. The borrower must meet the following conditions at the same time: 1. Have a permanent urban residence or valid residence status; 2. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 3. Have a contract or agreement to purchase a house; 4. If you do not enjoy the home purchase subsidy, you must pay no less than RMB 30 of the total price of the house purchased as the down payment; if you enjoy the home purchase subsidy, you must pay RMB 30 as the down payment for the home purchase; 5. Have assets recognized by the lender as collateral. Or a pledge, or a unit or individual with sufficient repayment capacity as a guarantor; 6. Other conditions stipulated by the lender. 3. Provide information The borrower should provide the following information to the lender: 1. Identity document (referring to resident ID card, household register and other valid residence documents); 2. Proof of the borrower’s family’s stable economic income; 3. Compliance with regulations A letter of intent, agreement or other approval document for the purchase of a housing contract; 4. List of mortgages or pledges, proof of ownership, and proof that the person with the right to dispose of the property agrees to the mortgage or pledge; proof of mortgage valuation issued by the competent department; the guarantor agrees to provide guarantee Written documents and credit certificates of the guarantor; 5. If you apply for a housing provident fund loan, you must hold a certificate issued by the housing provident fund management department; 6. Other documents or information required by the lender.
3. What is ICBC’s mortgage interest rate?
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4. When will ICBC’s lpr interest rate be adjusted in 2022?
The adjustment time is the 20th of each month. The LPR quoting banks currently include 18 banks. Before 9:00 on the 20th of each month (postponed if it is a holiday), each quoting bank will adjust the LPR quotation to China in steps of 0.05 percentage points. After the National Interbank Funding Center of the People's Bank of China submits quotes, it calculates the current LPR by taking the arithmetic average after removing the highest and lowest quotes, and rounding to the nearest integer multiple of 0.05. The central bank announced it at 9:15 that day.