what is the interest rate of housing loan in p>223? At present, the benchmark interest rate of commercial loans is 4.9%, and the loan term is over 5 years. Affected by the policy of restricting purchases and loans, local banks have different adjustments to the interest rate of the first home loan. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-2%. The second home loan interest rate generally rose by 1%-3%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally increased by 1%. The second suite takes the borrower's family (including the borrower, spouse and minor children) as the unit to determine the number of mortgage loans. Families who use provident fund loans or commercial loans to buy houses apply for mortgage loans again, which is regarded as the second suite. Will the interest rate of buying a house rise in 223? Not necessarily. The people who bought houses in the first half of 221 were really sad. Not only did the house price stand at the historical peak, but the interest rate also stood. At the peak of the past 1 years, the mortgage interest rate in the core first-tier cities of first-tier cities was relatively acceptable, hovering around 5.58%. The mortgage interest rate in cities after the second-tier cities was basically close to 6%, and some cities even reached 6.38%. Among them, the interest rate of the first suite in Huizhou was the highest. In 222, the interest rate has been lowered again and again. In 222, the interest rate of the first suite in many cities across the country was 4.1%. In addition, in the latest policy, cities whose new volume and transaction price decreased from June to August year-on-year can adjust their own interest rates. For example, the interest rate of the first suite in Qingyuan was 3.7%, and the interest rate of the first suite in some cities was even lowered to 3.6%, which was a record low interest rate. At this time, it was rumored that 222 was the lowest interest rate.

1. At present, the 5-year LPR interest rate is still 4.3%

2. 4.1% will not be implemented next year, because the commercial plus point will be -.2 in 222, and the commercial plus point will be recalculated in 222 (the details are not clear)

3. The interest rate will not rise to 4.7%~4.9% next year, and will be on December 5, 222.

4. The economic growth rate is expected to increase to 5% in 223. However, due to the sluggish environment, funds are still needed to be active in the market, so the interest rate will not rise sharply in a short time, and in order to encourage everyone to promote market funds, the interest rate will go further down. Is there any subsidy for the government to buy a house in 223? There are three main sources of funds for housing subsidies: First, the housing funds allocated by the state; The second is the unit selling funds; The third is the funds raised by the unit through various channels. The basic forms of housing subsidies are: one-time housing subsidies, basic subsidies plus one-time subsidies and monthly subsidies.

1. One-time subsidy, which is mainly aimed at the old employees who have no houses, is paid in one lump sum when the employees buy houses.

2. Basic subsidy plus one-time subsidy. According to the housing area standard of ordinary employees, the basic subsidy will be gradually distributed. The difference between cadres at all levels and ordinary employees due to the difference in housing subsidy area standard will be paid in one lump sum when buying a house.

3. The monthly subsidy method is mainly aimed at new employees, and will be paid monthly during the housing subsidy payment period.

Legal basis:

According to the Interim Measures for Special Additional Deduction, if a taxpayer or his spouse uses a personal housing loan from a commercial bank or housing provident fund to purchase a house in China for himself or his spouse, the interest expenses incurred on the first housing loan shall be deducted according to the standard of 1 yuan every month in the year when the loan interest actually occurs, and the maximum deduction period shall not exceed 24 months.