After the high mortgage interest rates of major banks in Huizhou showed signs of downward adjustment for the first time in May 438+February and June, the mortgage interest rates fell again in the middle of May 438+091October. Recently, the loan interest rate data of eight banks in Huizhou released by World Bank Shengze Loan in June 5,438+10 showed that the first interest rate of CCB dropped from the previous 40-50% to 25-35%, and the second interest rate of 65,438 dropped from the previous 40-50% to 30-40% in February. At the same time, the interest rates of the first and second suites of Agricultural Bank of China, Ping An and China Resources all declined to varying degrees. The first and second interest rates of China Resources Bank are floating 15%. Statistics show that in February 20 18, the average interest rate of the first home loan in cities nationwide 17 was adjusted back. The average interest rate of the first home loan in China was 5.68%, down 0.53% from the previous month. This is the first time that the national average interest rate of the first home loan has dropped in 23 months, while the national interest rate of the second home loan has dropped for two consecutive months. Judging from the mortgage situation of Huizhou in June 20 19 recently announced by Shengze Mortgage, the interest rates of the first home loan and the second home loan of China Resources, Ping An, Agricultural Bank of China and China Construction Bank all declined to varying degrees. Among them, the interest rate of China Resources Bank dropped the most obviously, rising by 45-50% compared with the interest rate in June 5438+February, and rising directly by 35%. In addition, the mortgage interest rates of ABC and CCB dropped significantly. The interest rate of ABC's first home loan dropped directly from 30-40% to 24-35%, and the interest rate of second home loan dropped directly from 35-45% to 29-45%. The interest rate of CCB's first home loan dropped directly from 40-50% in February 65438 to 25-35%, and the interest rate of second home loan dropped directly from 40-50% to 30-40%. The first home loan interest rates of CCB and ABC dropped to 25%. The interest rate of the first home loan of Ping An Bank dropped from 30-40% in February of 65438 to 25-35%, and the interest rate of the second home loan dropped from 35-45% in February of 65438 to 30-40%, with an overall decrease of 5 points. However, the interest rates of China Everbright, Xingye, Postal Savings and Bank of China have not changed much compared with the previous 65438+February. The first set of interest rates of China Bank and Industrial Bank is between 30% and 45%, and the second set is between 35% and 55%. Among them, the second home loan interest rate of Industrial Bank rose by 55%, and the first home loan rose by 45%, which was the highest among the eight banks according to statistics. After this downward adjustment again, the interest rates of the first home loans of four companies, namely Agricultural Bank of China, China Construction Bank, Postal Savings Bank and Ping An Bank, dropped to a minimum of 25%, while the first minimum interest rates of China Everbright, Xingye and Bank of China rose by 30%. Related Questions and Answers: Related Questions and Answers: 20 19 Housing Loan, what are the interest rates of banks? If I want to return it in advance, is there a penalty? 165438+1On October 20th, LPR ushered in the fourth quotation after the reform. The data of the day showed that the price of 1 1 month LPR was 4. 15%, compared with 4.20% last time. Varieties over 5 years old were reported as 4.80%, and last time they were reported as 4.85%. This means that this 1 year and 5-year LPR both go down by 5BP(5 basis points). The above is the benchmark interest rate, and the major banks will go up or down accordingly. The loan interest rates of several major state-owned banks are: China Construction Bank: 4.35% within one year, 4.75% within one to five years, 4.9% over five years, Industrial and Commercial Bank: 4.35% within one year, 4.75% over one to five years, 4.9% over five years, and Agricultural Bank: 4.35% within one year and 4.75% over one to five years. The loan threshold of state-owned big banks here is relatively high, which may be lower than other commercial banks. Other commercial banks may have higher interest rates because of the lower threshold and less strict certificates to be submitted. Based on this, we can calculate 100 square meter house unit price 10000, and the interest rate under the condition of loan for 30 years. According to the repayment method of matching principal and interest, the total interest of the loan for 30 years is 63,7431.34 yuan, and the monthly repayment is 37 15.09 yuan. Under the average capital repayment method, the total loan interest is 5 15929. 17 yuan, which is less than the previous method 1265438 yuan. This is also a more cost-effective repayment method. If the prepayment is less than one year, 3% of the repayment amount will be charged. Repay the loan one to two years in advance, and charge 2% of the repayment amount. If the loan is repaid two to three years in advance, 1% of the repayment amount will be charged. If there are provisions in the contract, the liquidated damages shall be calculated according to the provisions of the contract. This is an accepted method for calculating liquidated damages. If you have sufficient funds and limited economic capacity, you can choose to repay in advance without worrying about the monthly mortgage. If the funds are not particularly abundant and have certain economic ability, it is not recommended to repay in advance. Can manage the funds repaid in advance to achieve profit growth.

Second, the bank loan interest rate was lowered. Is the interest rate of the original loan the same as the interest rate now lowered?

Do you mean a one-year short-term loan? If so, the original loan interest rate remains unchanged, and now the loan interest rate is lowered;

If it is a mortgage loan, the adjustment window is 20 13 1+0!

I buy a house now, and the mortgage interest rate is 20% higher than the benchmark interest rate. If the interest rate is adjusted in the future, will my repayment amount be reduced?

If the benchmark interest rate changes, the repayment amount will also change, and the benchmark interest rate will drop, so will the repayment amount. But the floating range will not change, just floating according to the new benchmark interest rate. The loan interest is calculated according to the floating interest rate, and the interest will be adjusted with the interest rate adjustment. Of course, in any case, it will have an impact on the adjusted interest paid. After the general bank interest rate adjustment, the interest rate of the unpaid part of the loan is also adjusted with the bank interest rate, and the loan interest rate is adjusted at the beginning of the following year. The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage); Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. No matter how the benchmark interest rate is adjusted, the floating (or falling) range remains unchanged, but it is only floating (or falling) on the basis of the new interest rate.