Answer 4. 10%. When the central bank cuts interest rates again, we will find that the lowest mortgage interest rate in China can be reduced to about 4. 1%, almost returning to the level in 2009.
Therefore, the mortgage interest rate before 10 is about 4. 10%.
Mortgage interest rate refers to the interest rate set by banks or when buying real estate loans. The interest rate of bank mortgage is uniformly stipulated by the Bank of China, and all commercial banks can float within a certain range.
65438+Lpr interest rate in February 2022
65438+ Beijing, February 20th, 2022 (Reporter Jinlong) On the 20th, the People's Bank of China authorized the National Interbank Funding Center to announce that on February 20th, 2022, the loan market quoted interest rate (LPR) was 1 year, 3.65%, and 4.3% for five years or more.
Last month, the market quotation rate (LPR) of one-year loans was 3.65%, and the market quotation rate of five-year loans was 4.30%, which means that the LPR of one-year loans and five-year loans remained unchanged this month.
Since the beginning of this year, the quoted interest rate in the loan market has been lowered three times, of which 1 month, 1 year LPR and 5-year LPR have been lowered by 10 basis point and 5 basis points respectively. In May, the 5-year LPR was lowered by 15 basis points, the biggest decline since the LPR reform in August, 1965. In August, LPR declined asymmetrically, that is, 1 year LPR decreased by 5 basis points, and over 5 years LPR decreased by 15 basis points.
(Historical trend chart of LPR varieties, source: National Interbank Funding Center)
"Since the asymmetric downward adjustment of LPR in August, the LPR quotation has been" inactive "in recent months, mainly because the policy interest rates such as MLF have remained unchanged, the rapid upward movement of capital interest rate and market fluctuation have put pressure on the debt side of banks, and the net interest margin under insufficient credit demand is at a historical low. There is no corresponding downward adjustment space for LPR quotation. " Wen Bin, chief economist of Minsheng Bank, told Yang.
It is reported that the loan market quotation rate (LPR) is quoted by each quotation bank by adding the open market operating rate (mainly referring to the medium-term lending convenience rate), and is calculated by the National Interbank Funding Center to provide pricing reference for bank loans. At present, LPR includes 1 year and more than 5 years.
What's the latest annual interest rate for commercial loans?
At present, the annual interest rate of bank loans is as follows: within 6 months (including 6 months), the annual interest rate of loans from 6 months to 1 year (including 1 year) is 4.85%, and the annual interest rate of loans from 1 year to 3 years (including 3 years) is 4.85%. The monthly payment and total interest paid by the 20-year and 30-year equal principal and interest repayment methods are as follows: 20-year equal principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest paid is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc-.
So much for the introduction of the commercial loan interest rate chart.