There are many ways to buy a house. The interest rate of commercial loans for buying a house is different from that of different bank loans. Before handling, you should consult the financial department about the interest rate of the loan. So what is the interest rate of 20 18 commercial loan for house purchase? Buying a house? Let's find out.

What is the commercial loan interest rate of 20 18?

1. The average interest rate of the first home loan in China was 0.098 times, which was 4.45% last month, up 20.89% from 1 1. Among the average interest rates of Rong 36 loans, the lowest value this month is 4.96% in Xiamen, and the highest value is still 5.77% in Zhengzhou.

2. Bank interest rate. Among 533 banks in 35 cities nationwide, 44 1 bank's first home loan interest rate was the same as last month, accounting for 82.74%. In addition, 47 branches (sub-branches) of the bank decreased by 9 branches (sub-branches) last month.

3. At the end of the year, the bank's floating mortgage interest rate slowed down slightly, and a new credit line was deployed in June 5438+ 10, which can temporarily meet the needs of some people queuing for loans. However, since 20 17, it has become increasingly difficult for banks to absorb deposits and increase their capital reserve capacity. Under the overall tightening trend of the credit industry, the differentiation and competition among banks have become more and more obvious.

According to the data of the central bank, the deposits of large banks in China are obviously higher than those of small and medium-sized banks, while the deposits of the four major banks in China are relatively high, that is to say, they are facing a more serious problem of insufficient quotas.

What are the commercial loan conditions for buying a house?

1, must be a completely natural person; Have a fixed share of towns;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; Some banks will require applicants to apply for their own credit cards or loans from their own banks, and have a good credit record;

3, part of the bank as a mortgage or pledge, or the competent unit or individual as a guarantor to repay the loan principal and interest and bear joint liability.

If you want to apply for a commercial loan to buy a house, you must understand that you can apply for and buy a house to improve the living conditions of your family. The above is about buying a house with a commercial loan? What are the relevant introductions of commercial loan conditions for buying a house? Make a big plan before buying a house and buy and sell the house according to local policies.

2. What does the commercial loan interest rate of 3.8 mean?

Even today's commercial loans have an annual interest rate of 3.8%.

Due to the current economic downturn, monetary policy is relatively loose. In order to stimulate investment and expand production, the loan interest rate in the economic field has also been falling.

Third, the latest news of 20 18 mortgage interest rate

Hello, at present, the benchmark loan interest rate announced by the bank is 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), 4.75% for 1-5 years (including 5 years) and 4.75% for 5-30 years (including 5 years).

Interest rate of provident fund loans announced by the central bank:

Less than five years (inclusive) 2.75%

More than five years, 3.25%

Four. The commercial housing loan interest rate is 20 18.

When buying a house, many people can't pay off all the house payment in one lump sum, so they will choose to take commercial loans from banks. Before making commercial loans, you need to know the interest rates of commercial housing loans of major banks. So what is the commercial housing loan interest rate of 20 18? Next, let's take a look at Bian Xiao.

I. 20 18 year central bank benchmark interest rate

According to the latest interest rate adjustment of the Bank of China. We make a commercial housing loan. If the loan term is within 1 year, then its interest rate is 4.35%. If we apply to the bank for a short-term commercial loan of 1 to more than 5 years, then its interest rate is 4.75%. If you apply for a long-term loan for more than five years, the interest rate is 4.9%.

Second, the commercial loan interest rates of major banks.

The commercial loan interest rate of most banks in China is implemented according to the commercial loan interest rate of the central bank. For example, major banks such as industry and commerce, agriculture, construction, investment promotion, Shanghai Pudong Development Bank, China Everbright Bank, CITIC Bank, Ping An Bank and Huaxia Bank. Some banks will adjust the benchmark interest rates set by the central bank, such as Bank of Communications, China Everbright Bank, China Guangfa Bank and Minsheng Bank. And will set the benchmark interest rate set by the central bank with the rediscount rate as the lower limit.

Shenzhen Development Bank, Harbin Bank and Hang Seng Bank will raise the benchmark interest rates set by the central bank. For example, Hang Seng Bank's short-term loan interest rate is 5.6% within six months, and if it is a commercial loan within six months to 1 year, its interest rate is 6.0%. If you apply for a commercial loan from Hang Seng Bank for one to three years, the interest rate is 6. 150%. If the loan term is three to five years, its interest rate is 6.40%. If the loan term is five years, its interest rate is 6.55%.

Three. Banking policy

The loan interest rate of banks will also be affected by policies. Usually, the loan interest rates of major domestic banks for the first suite are discounted. The discount strength may be different in different regions. For example, we list loans with a maturity of more than five years. In Nanjing, Changsha, Xiamen, Wuhan and other regions, the lowest interest rate for the first suite is 10%, and the interest rate is 4.4 1%. In Zhengzhou, Hangzhou, Chongqing and other regions, the lowest interest rate for the first suite is 15%, and the interest rate is 4.38%. If you buy a second home, most banks will adjust their mortgage interest rate to about 1. 1 times the benchmark interest rate, that is, 5.39%.

Bian Xiao concluded: Bian Xiao introduced the interest rate of commercial housing loans at 20 18. Different banks have different preferential policies for the interest rate of the first home commercial loan. When handling commercial housing loans, it is best to ask if there are any preferential policies first.