In 216, the interest rate of individual first-hand housing loan is:
1. The interest rate of commercial mortgage is 3% and 4.16%.
2. The benchmark interest rate of commercial mortgage for 5-3 years is 5.94%.
3. the interest rate of commercial mortgage for 1-5 years (including 5 years) is 3% off and 4.3%.
4. The benchmark interest rate of commercial mortgage for 1-5 years (including 5 years) is 5.76%.
5. The provident fund loan is 3.87% for more than 5 years.
6. the provident fund loan is 3.33% for 1-5 years (including 5 years). What is the interest rate of housing loan in 216?
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Buying a house by loan is a very common consumption form now, which can reduce the pressure on buyers to pay all the house payment. However, during the loan period, the borrower needs to pay the corresponding interest as required, so the loan interest rate has become a very concerned issue. So, what is the housing loan interest rate in 216? What are the factors related to the loan interest rate? Let's take a brief look at it with Xiaobian.
1. Interest rate of housing loans in 216
1. Commercial loans: the annual interest rate for housing loans for less than one year (including one year) is 4.35%, for housing loans for one year to five years (including five years) is 4.75%, and for housing loans for five years and above is 4.9%; 2. Provident fund loan: the annual interest rate for housing loans for less than five years (including five years) is 2.75%, and the annual interest rate for housing loans for more than five years is 3.25%.
2. What are the factors related to the loan interest rate?
When approving the loan interest rate, banks will decide it according to the borrower's usual credit information, the value of collateral, the benchmark interest rate of the central bank and relevant national policies. In particular, the benchmark interest rate of the central bank is formulated by the Bank of China according to the actual situation of the real estate industry, which is a very important reference standard and can well reflect the supply and demand of market funds.
III. What are the types of mortgage loans
There are two main types of mortgage loans. One is commercial loans, which have relatively lower requirements for borrowers, and they can generally apply as long as they have sufficient economic ability and stable income. The other is provident fund loans, which are specially customized for employees who have paid provident fund, with higher requirements, but can enjoy preferential policies of low down payment and low interest rate.
Editor's summary: Loans can solve the problem of shortage of housing funds, but in order to avoid bearing too much economic pressure on yourself, you should make a good plan for your work in the next few years and make a correct judgment on your ability. That's enough about the interest rate of housing loan in 216 and the factors related to the loan interest rate. I hope it will help you. If you want to know more about it, please follow Qijia. com.
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Enter the area and get the decoration quotation for free. What is the mortgage interest rate in 216
At present, the People's Bank of China has announced the benchmark annual interest rate of loans: -6 months (including 6 months), with an annual interest rate of 4.35%; 6 months to 1 year (including 1 year), with annual interest rate of 4.35%; 1-3 years (including 3 years), annual interest rate: 4.75%; 3-5 years (including 5 years), with annual interest rate of 4.75%; 5-3 years (including 3 years), with annual interest rate of 4.9%; The loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after the approval of the handling outlets.
In p>216, the mortgage interest rate will be 4.9%. After five interest rate cuts, the decline rate reached 2.33%. It is the lowest in history, and now many banks adopt the method of adjusting interest rates in the following year, so it needs to be adjusted in January 216. ? ?
those who apply for mortgage after October 24, 215 can be calculated at the latest interest rate of 4.9% (5 to 3 years). As for the provident fund, due to the interest rate cut on October 24, 215, the interest rate of individual housing provident fund loans has not been adjusted, and the interest rate of individual housing provident fund loans for more than five years has been reduced from 4.25% at the beginning of the year to 3.25% at present. July 216 mortgage interest rate
1. Benchmark interest rate
On July 2, the People's Bank of China issued an announcement. Since July 6, 216, the benchmark interest rate has been raised by .25 percentage points, including:
1) the benchmark interest rate for one-year commercial loans has been adjusted from 4.85% to 5.1%;
2) The benchmark interest rate for five-year commercial loans is adjusted from 5.6% to 5.85%;
3) The benchmark interest rate of one-year provident fund loan is adjusted from 3.25% to 3.5%;
4) The benchmark interest rate for five-year provident fund loans is adjusted from 4.% to 4.25%.
2. Discount interest rate
On July 2, the People's Bank of China issued an announcement, and since July 6, 216, the discount interest rate has been raised by .25 percentage points, including:
1) the discount interest rate for one-year commercial loans has been adjusted from 4.35% to 4.6%;
2) The discount rate of five-year commercial loans is adjusted from 4.9% to 5.15%;
3) The discount rate of one-year provident fund loan is adjusted from 2.75% to 3.%;
4) The discount rate for five-year provident fund loans is adjusted from 3.5% to 3.75%.