At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months to 1 year (inclusive), with an annual interest rate of 4.35%; 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; ; 5 to 30 years (including 30 years), with annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced in combination with business varieties, credit status, guarantee methods and other factors, and can only be determined after approval by the handling outlets.
Mortgage interest rate
According to the announcement of the People's Bank of China, since June 8, 1965 at 438+09, 65, 438+00, the new commercial personal housing loan interest rate has been based on the latest month's loan market quotation (LPR). In September, the mortgage interest rate in Yichang basically rose 15-20%, and the down payment ratio of the local first suite was 30%.
In March 2020, the average interest rate of the first home loan in China was 5.48%, down 4BP from the previous month.
Since the release, although some cities have slightly adjusted the interest rate, compared with the original mortgage interest rate, the change is not big; Yichang has not been adjusted yet. According to the situation in previous years, the quotas of major banks may be tightened in the second half of the year, and the lending speed is expected to slow down.
For more details of Yichang mortgage, click to view.
The second is the change of interest rate of housing commercial loans.
If the user chooses LPR fixed interest rate mode, the commercial loan interest rate will remain unchanged during the loan period. The user selects the LPR base point floating interest rate model. When LPR is adjusted, the commercial loan interest rate will change in the next year. Therefore, whether the commercial loan interest rate will change is related to the loan interest rate model. LPR fixed interest rate model or floating interest rate model has its own advantages and disadvantages. Users can choose the loan interest rate model according to their own cognition and needs.
Third, Yichang second home loan interest rate
Yichang second home loan interest rate: reduced from 5.2% to 5.05%. Mortgage efforts ① The down payment ratio of the first home loan shall not be less than 20%, and the interest rate shall not exceed 60 trillion mu (LPR) based on the basic interest rate of the central bank.
4. What is the latest mortgage interest rate of major banks in 2022?
Mortgage interest rates of major banks in 2022
Within one year, including one-year short-term loans, the central bank's benchmark interest rate is 4.35%; From one year to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%; For long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%.
If it is a personal provident fund loan, including short-term loans of less than five years, the benchmark interest rate of the central bank is 2.75%; For long-term loans of more than five years, the benchmark interest rate of the central bank is 3.25%.