Many banks in Shenzhen raised the mortgage interest rate on the basis of the benchmark interest rate. According to the national commercial loan benchmark interest rate of 4.9%, the first suite has risen by 15%, which is equivalent to the first suite loan interest rate of 5.635%.
For example, the total price of a suite is 2 million yuan, the down payment is 600,000 yuan, the remaining is 6.5438+0.4 million yuan, the mortgage is 30 years, and the monthly repayment amount is about 8,068.03 yuan/month; According to the floating interest rate that the first home interest rate is basically the benchmark interest rate 10%, the first home loan interest rate is 5.39%. If the total price of a suite is 2 million yuan, the down payment is 600,000 yuan, and the remaining 1.4 million is mortgaged for 30 years, the monthly repayment amount is about 78.5269 yuan. Then we can work out that if it rises by about 5%, we will pay about 8068.03-7852.69=2 15.34 yuan more every month because of the rising mortgage. An extra 2584.08 yuan will be paid every year, and 77522.4 yuan will be paid after 30 years, which is quite a high amount. Of course, the national interest rate will rise and fall, and friends who buy a house must start before it is raised.
Many banks in Shenzhen have raised mortgage interest rates mostly because of market behavior. In order to increase the transaction volume of the real estate market faster, some measures have been taken. The increase in mortgage interest rates is quite unfriendly to those who need loans to buy just needed. It can be said that the hard-earned money is basically contributed to the bank, so now more and more people rent houses because they can't afford the high repayment amount. Fortunately, Bian Xiao's current city didn't raise the loan interest rate. Otherwise, like the majority of property buyers, there are no tears. I hope the government will increase its control over the real estate market.
What is the interest rate of the first home loan in Shenzhen?
At present, the interest rate of the first home loan in Shenzhen has risen by 10% and 30% compared with the benchmark interest rate. Among them, the interest rates of the first home loan in banks such as Agricultural Bank of China, Bank of China, ICBC, China Construction Bank, China Merchants Bank, Bank of Communications, Xingye and China CITIC Bank have risen by 15%, Shanghai Pudong Development Bank by 10%, Minsheng Bank by 20% and China Everbright Bank by 20%.
If the first home loan is a provident fund loan, the loan interest rate shall be implemented according to the stipulated benchmark interest rate.
Benchmark interest rate of commercial loans: 15 loans, with an annual interest rate of 4.75%; The annual interest rate of this 630-year loan is 4.9%.
Benchmark interest rate of provident fund loan: loan 15, with an annual interest rate of 2.75%; The loan is 630, and the annual interest rate is 3.25%.
What is the upper limit of bank loan interest rate?
Although the People's Bank of China currently stipulates that the loan interest rate of commercial banks will no longer be capped, China law also stipulates that the benchmark loan interest rate will rise more than four times during the same period, which is not protected by law. Therefore, the floating ceiling means that the execution interest rate is not higher than 4 times of the benchmark loan interest rate in the same period, and the floating ratio is not higher than 300% of the benchmark loan interest rate in the same period.
1. From 20 15 and 20 1, the fluctuation range of deposit interest rate of China People's Bank to financial institutions is:
1, and the upper limit of the floating range of deposit interest rate of financial institutions is adjusted to 1.3 times.
Second, the People's Bank of China has stipulated the range in which the loan interest rate of financial institutions will rise:
1, the upper limit of the floating range of loan interest rates of commercial banks and urban credit cooperatives is extended to 1.7 times of the benchmark loan interest rate.
2, rural credit cooperatives to expand to 2 times the benchmark interest rate of loans.
Remarks:
Unless the People's Bank of China adjusts the benchmark interest rate, the bank's loan interest rate will not affect the previously signed loan contract interest rate.
Extended data
Interest on loan to buy a house
Bank loan interest rate: the annual interest rate of interest rate items (%). If you need to estimate some daily interest when making a loan, you can convert it into daily interest rate with annual interest rate /365. Matching principal and interest repayment, matching principal and interest repayment, refers to the equal repayment of loan principal and interest every month within the relevant loan period until the loan is settled. The total amount that buyers have to pay back every month is equal, but the ratio of interest to principal will change every time.
Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank.
Characteristics of interest rate: The mortgage interest rate is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate.
Commercial banks will implement the new interest rate: from 20 13 10, so that mortgage borrowers can reduce the pressure. But each commercial bank can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.
What is the annual interest rate of the first home loan in Shenzhen for 30 years?
The 30-year interest rate of the first home loan in Shenzhen is 4.75%, but the loan interest rates of banks and individuals are different. The loan interest rate of Shenzhen housing provident fund is 3.25% for six years, 3.75% for ten years and 4.25% for fifteen years. Other banks have higher loan interest rates, up to 7%-8%. ICBC's mortgage interest rate and Shenzhen can provide 30-year loans with an interest rate of 4.75%. The interest rates of other banks are different due to different maturities and types of collateral, and the highest interest rate can reach more than 8%.
Many banks in Shenzhen have raised mortgage interest rates. What is the reason for the increase?
The increase is mainly to curb housing prices. In terms of interest rate, CCB has issued a notice internally, raising the interest rate of the first home loan by 15BP and the interest rate of the second home loan by 35BP. China Construction Bank is the first bank in Shenzhen to explicitly raise interest rates, and other banks have followed suit. In Guangzhou next door, the local mortgage interest rate has been raised three times in a row this year. The reason for raising interest rates is not complicated, that is, reducing leverage and curbing housing prices. Last year, the central bank was relatively loose on the currency, which led to a large amount of capital flowing to the real estate market. Now the bank is raising the price to control the property market and avoid skyrocketing due to the massive inflow of funds.
Some insiders pointed out that in fact, in addition to curbing the flow of funds to the property market, raising the mortgage interest rate is also to better reduce the proportion of bank mortgages. You know, at the end of last year, the China Banking Regulatory Commission has put forward a centralized mortgage management system, and the loans related to the real estate industry of each bank have been restricted. At this time, the interest rate hike is also to comply with the supervision and ensure that the debt ratio of real estate within the bank will not exceed the standard.
In fact, since the beginning of the year, the government's regulation and control in the financial field has been increasing. Banks were first required to check the misappropriated funds by reviewing the flow of funds. As a result, hundreds of millions of funds illegally flowed into the property market in various cities. Now raising interest rates is also a signal to the outside world that the threshold for mortgage application has increased, and it is already difficult for real estate speculators to borrow from banks.
According to professional analysis, in fact, in a place like Shenzhen, the financial industry is very developed. In addition to banks, there are many companies such as funds and guarantees. If the bank raises interest rates, it will undoubtedly reduce the mortgage ratio of its real estate industry, which is conducive to its structural adjustment. Even if house prices plummet in the future, the bank's non-performing asset ratio can be controlled. And in the long run, high housing prices in the property market are definitely unsustainable.
What is the loan interest rate for buying a house in Shenzhen?
At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, the preferential interest rates of local banks for the first home loan are different. The second home loan interest rate generally rose 10%.
During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.
The second suite is defined as the second suite where the borrower's family (including the borrower, spouse and minor children) determines the mortgage times and has used provident fund loans or commercial loans to purchase houses.