The first is to refer to the benchmark interest rate of the central bank and decide whether to raise it according to the current situation of banks.
Second, the commercial loan interest rate 2022 latest interest rate Chengdu?
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. According to the latest data from Bank Information Port, 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%.
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.
3. What is the interest rate of commercial loans for buying houses in Chengdu in 2022?
Short-term loan: within one year (including one year), and the interest rate is 4.35. Medium and long-term loans: one to five years (including five years) interest rate: 4.75; Interest rate over five years: 4.90. Personal housing provident fund loan: less than five years (including five years) interest rate: 2.75; Interest rate over five years: 3.25. Donkeys not only have 99% loan information on the market? There is also a loan consultant to help you answer questions.
Fourth, the latest news of Chengdu mortgage interest rate 2022
First, the mortgage interest rate
Generally, there are few mortgages, so we will not consider them. At present, the interest rate of provident fund loans for more than five years is 3.25% per annum, and there is no fluctuation. The benchmark interest rate of commercial mortgage loan is 4.9%, and there will be first and second suites, and so on. Every city's real estate market policy is different. If the first suite generally rises 10% to 20%, the interest rate will rise even higher.
Second, the average capital calculation formula
Monthly repayment = monthly principal, monthly principal and interest.
Monthly principal = principal/repayment month
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.