What is the current interest rate of Shanghai Pudong Development Bank mortgage?
First of all, according to official website of Shanghai Pudong Development Bank, if users want to apply for provident fund loans, the interest rate for three to five years (inclusive) is more than five years. If the user wants to apply for a pure commercial loan, according to official website, the interest rate for six months (inclusive) is 6 months to 1 year (inclusive), and the interest rate for three to five years (inclusive) is more than five years. Then the central bank's benchmark interest rate was raised by 15%-24%. After calculation, the mortgage interest rate of Shanghai Pudong Development Bank is highly probable.
Taking Nanjing as an example, the interest rates of first home loans of six banks, including Bank of Nanjing, Shanghai Pudong Development Bank, Postal Savings Bank, China CITIC Bank, Bank of Guangzhou and Industrial Bank, were all raised by about 20 basis points. Suppose the total mortgage price of users is about 3 million, the down payment is 30%, the interest rate is raised by about 20 basis points, and the monthly mortgage repayment will be about 267 yuan more.
In addition to the rise in mortgages, the threshold for applying for mortgages has also increased. Some people say that the official attitude of "not using real estate as a short-term means to stimulate the economy" is very firm. It can be expected that it will still be very difficult to apply for a mortgage in the second half of this year.
The above is "What is the mortgage interest rate of Shanghai Pudong Development Bank now?" I hope I can help you!