According to the notice of the central bank:
Central bank loan benchmark interest rate:
(1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: after five years (including five years), the menu adjustment interest rate is 2.75; The adjusted interest rate for more than five years is 3.25.
Agricultural Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
The decisive factors of bank loan interest are:
1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.
2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.
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What is the interest rate of individual housing loan?
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Nowadays, many buyers choose mortgage loans to buy houses, so as to reduce the pressure on their own housing funds. If they want to apply for a mortgage loan to buy a house, they must pay attention to the interest rate of personal housing loans. What is the interest rate of individual housing loan? Let's take a look at Bian Xiao's introduction.
What is the interest rate of individual housing loan?
1. At present, the benchmark interest rate of commercial loans with a loan term of more than five years in China is 4.90%. Due to the policy of restricting purchases and loans, banks in different regions have different efforts to adjust the interest rate of the first home loan. According to the survey, the national average loan interest rate for the first home is 5.38%, the loan interest rate generally rises by about 5% to 20%, and the loan interest rate for the second home generally rises by 65,438+. For those who use housing provident fund loans in the same period, the benchmark loan interest rate is 3.25%, and the second home loan interest rate generally rises 10%.
2. The current loan amount is determined by the lender's family (including the lender, spouse and minor children). If the family has applied for housing provident fund loans or commercial loans to buy a house, it will be regarded as a second suite when applying for housing loans again.
3. According to the survey, from February 2065438 to February 2009, the average interest rate of the first home loan in China was 5.63%, which was equivalent to 1. 149 times of the benchmark interest rate, which was 0.53% lower than that in June. In February last year, the average interest rate of the first home loan was 5.46%, up 3. 1 1%. The average interest rate of the second home loan in China is 5.99%.
4. The latest benchmark interest rates for commercial loans are as follows:
All kinds of loans
Unit:%
six months
4.35 One year
4.35 One to three years
4.75 Three to five years
4.75 More than five years
4.90 5. Interest rate of the first suite of commercial mortgage (at least 30% down payment)
Unit:%
General grant interest rate
1. 1 time (5.39%)
Minimum loan interest rate
1. 1 time (5.39%)
Maximum interest rate
1.2 times (5.88%)
Note: The interest rate in this table is the benchmark interest rate for loans. At present, the interest rate of the first home commercial loan is usually 1. 1 times, and some banks have slightly lowered or raised it). Up to 70% loan (minimum down payment is 30%)
6. Interest rate of commercial mortgage second home (minimum down payment is 30%)
At present, the interest rate of the second home loan is more than 1.2 times or even higher than the benchmark interest rate. Meanwhile, the borrower's loan interest rate
It is related to the qualifications of banks and borrowers. Up to 70% loan (minimum down payment is 30%)
General grant interest rate
1.2 times (5.88%)
Minimum loan interest rate
1. 1 time (5.39%)
Maximum interest rate
1.3 times (6.37%)
7. Interest rate of provident fund loans
deadline
loan rate
Within 5 years (including 5 years)
2.75%
More than 5 years
3.25%
8. Interest rate of provident fund second home loan
deadline
benchmark interest rate
1. 1 times the benchmark interest rate
Within 5 years (including 5 years)
2.75%
3.025%
More than 5 years
3.25%
3.575%
The above is a detailed introduction about the interest rate of individual housing loan, hoping to help everyone. Because the loan amount and loan term are different, the interest rate of individual housing loan will be different. The specific interest rate of individual housing loans should be consulted with local loan banks.
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What is the interest rate of the house loan?
There are two kinds of housing loans, commercial loans and personal provident fund loans. The interest rates are as follows:
1, the benchmark annual interest rate of commercial loans: 0-6 months (inclusive), and the annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;
2. Benchmark interest rate of personal provident fund loans: the benchmark interest rate of short-term loans for less than five years (including five years) is 2.75%; The benchmark interest rate for long-term loans over five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.
The process of buying a house with a loan
1, to understand the credit situation.
First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.
Step 2 know the bank
Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.
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