(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%.
(2) The interest rate of the first home loan rises 10%. The current benchmark interest rate was adjusted and implemented on July 7, 1965, 438+065,438+0, with an interest rate of 6.90% for five years. The floating interest rate is 7.05% 65,438+0 = 7.755%.
(3) Unless the country (or loan issuing bank) has special policies. During the loan period, the fluctuation (or decline) will remain unchanged. If the benchmark interest rate is adjusted, the loan interest rate will rise (or fall) on the basis of the new interest rate. In other words, as long as the benchmark loan interest rate remains unchanged, the repayment amount will not change.
The calculation of loan interest adopts floating interest rate, and the interest is adjusted with the adjustment of interest rate. Of course, no matter how it is calculated, it has no effect on the interest paid. Will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); 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. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day.
2. What does "negative 10%" mean?
Negative 10% means decreasing 10%.
Literally means to reduce 10%. Different situations have different meanings, which may mean that the emotional state is weakened 10%, which may mean that this number has special significance to me, and there are other possibilities.
The benchmark mortgage interest rate is 4.90%, and the floating value is negative 10%, which should mean 10% discount. It's not usually like this. Basically, it just means some discounts or floating interest rates. Ten percent discount = 4.9% (1-10%) = 4.41%.
3. Is the floating interest rate of ICBC mortgage plus 125 high?
Of course it's high.
125 basis point mortgage is actually LPR10.25% mortgage, and the floating interest rate of lpr is one of the conversion schemes of mortgage interest rate. The LPR of the original contract needs to be used as a fixed interest rate.
When adjusting the mortgage interest rate, an essential interest rate is the LPR mortgage interest rate, in which the mortgage interest rate will change with the change of LPR after the mortgage users and banks determine it, and 10 is 1.25%.
The mortgage interest rate is equivalent to LPR plus basis points, which is generally fixed, and only LPR will change. The new housing loan base point is subject to financial institutions, and the previous housing loan interest rate will become a fixed value, which can be negative, and 100 base point is 1%.
In addition, although the mortgage interest rate will change accordingly, the monthly mortgage interest rate will also reduce the R mortgage interest rate after the mortgage interest rate is reduced, but it has no effect on the fixed interest rate in the mortgage contract that has been handled.
4. What does it mean to show negative mortgage interest?
Yes, you have to pay interest to the bank, not to the bank. So it is negative. This is a loan, not a deposit.