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, local banks have different efforts to adjust the interest rate of the first home loan. The latest data shows that the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5% to 20%. The interest rate of the second home loan generally rises 10% to 30%.
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. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. The floating ratio of different banks is different, and the floating ratio of the same bank in different regions is also different, so the specific interest rate is subject to the actual interest rate stipulated by the bank.
Since the central bank cut interest rates in June 20 15, the current benchmark interest rate for bank closure is: the loan interest rate for less than one year (including one year) is 4.35%; The interest rate for one year to five years (including five rounds of local split years) is 4.75%; More than five years is 4.90%. In 20 18 years, banks will also implement this benchmark interest rate.
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, local banks have made different adjustments to the interest rate of the first home loan. The latest data shows that the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%.
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%.
Measures for the Administration of Individual Housing Loans
Article 35 If the borrower is under any of the following circumstances, the lender shall investigate the borrower's liability for breach of contract according to the relevant provisions of the General Rules for Loans of the People's Bank of China:
The latest mortgage interest rate in 2022
The lower limit of the first home loan interest rate is 4. 1%.
The specific explanation is as follows:
Authorized by the People's Bank of China, the National Interbank Funding Center announced that the LPR for 1 year was 3.65%, and that for five years and above was 4.3%, both unchanged from last month. Since the interest rate cut in August, the quoted interest rate (LPR) in the loan market has remained unchanged for two consecutive months.
Since the beginning of this year, the five-year LPR has been lowered three times, with a cumulative reduction of 35 basis points. The lower limit of the first home loan interest rate has been reduced to 4. 1%, and the lower limit of the second home loan interest rate is 4.9%.
The interest rate of the first individual housing loan newly issued shall not be lower than LPR in the same period (LPR 654381October 20, 4.3% for more than five years); The interest rate of the second set of personal housing loans shall not be lower than the LPR plus 60 basis points in the same period (calculated by LPR of 4.9% for more than 5 years on 20 October 2008/KLOC-0).
According to the Notice of the People's Bank of China and the Insurance Regulatory Commission of the Bank of China on May 15 this year, the lower limit of the interest rate of the commercial personal housing loan for the first home was adjusted to not less than the quoted interest rate in the loan market for the same period minus 20 basis points, so the lower limit of the interest rate of the first home loan in various places was 4. 1%.
Central bank mortgage interest rate
The latest central bank mortgage interest rates are as follows: 4.75% for one to three years (including three years), 4.75% for three to five years (including five-year shed reform), 4.9% for more than five years, 2.75% for provident fund housing loans for less than five years (including five years) and 3.25% for more than five years.
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