The latest mortgage interest rate in 2022
Different cities have different regulations on loan interest rates. The following provides the latest interest rate information of the first home loan interest rate in some cities for your reference:
Ningbo, Zhejiang 1
Recently, some banks in Ningbo lowered the interest rate of the first home loan to 4.25% and the interest rate of the second home loan to 5.05%, which is the seventh reduction this year. Take the total price of 3 million, the down payment of 30%, the commercial loan of 265,438+million, the loan of 30 years, and the equal principal and interest as an example. 4.45% monthly interest rate 10578.09 yuan, 4.25% monthly interest rate 10330.74 yuan, the monthly interest rate is less than 2473.35 yuan, saving about 89,000 yuan in 30 years.
2. Hohhot City
The Housing and Urban-Rural Development Bureau of Hohhot released a message that the interest rate of the first set of housing loans was lowered by 20 basis points, and the loan market quotation (LPR) was lowered, and the adjusted interest rate level has dropped to 4.25%.
3. Dongguan
By the end of May, the interest rate of the first home loan was generally 4.85%, and the interest rate of the second home loan was generally 5.05%. Compared with April, the bank interest rate was lowered by 15-55 basis points, and the interest rate of the first home loan for high-quality customers of individual banks was as low as 4.6%.
4. Guangdong
Since June 10, many places in Guangdong have successively lowered the minimum down payment ratio of the first home loan. Zhanjiang, Yangjiang, Zhaoqing, Maoming, the first set of commercial personal housing loans, the minimum down payment ratio was reduced from 25% to 20%; The down payment for the first suite in Shanwei is not less than 25%, and the down payment for the second suite with outstanding loans is not less than 30%.
5. Lishui
Actively improve the supply and demand structure of the housing market, implement differentiated housing credit policies, reduce the interest rate of the first home loan by 20 basis points, and adopt phased differentiated transaction tax subsidy policies to better meet the reasonable housing needs of residents.
6. Jinan
At present, the minimum interest rate of personal housing loan in Jinan can reach 4.25% for the first suite and 5.05% for the second suite. This adjustment is a great benefit to support the demand for rigid and improved housing and reduce the repayment pressure of buyers.
7. Qingdao
The mortgage interest rate in Qingdao market has been continuously lowered. At present, the bank has implemented an interest rate of 4.4%.