In July, the lowest interest rate of the first suite in Wuxi was 15% off, and the implementing banks were CITIC Bank, Nanjing Bank and China Everbright Bank. Among them, CITIC Bank has a minimum down payment of 20% for the first suite, and Nanjing Bank and China Everbright Bank have a minimum down payment of 30%.
The lowest interest rate for the first suite of China Construction Bank, China Merchants Bank, China Bank, Industrial and Commercial Bank of China, Shanghai Pudong Development Bank, Industrial Bank and Bank of Communications is 8.8% off. Agricultural Bank, Postal Savings Bank, Jiangsu Bank, Wuxi Rural Commercial Bank and Huaxia Bank are 10% off. These 12 banks all implement a minimum down payment of 20% for the first suite.
The minimum down payment for the second suite in Wuxi is 30%. Among the above-mentioned 15 banks, except for CITIC Bank, Bank of Communications and Huaxia Bank, the minimum down payment for the second suite is 40%, and all other banks are 30%.
The interest rate of the second home in Wuxi is 10% higher than the benchmark interest rate.
When will Wuxi mortgage interest rate be raised?
The local bank's first home loan interest rate can reach 13%!
According to Bian Xiao's survey, among the 1 1 Wuxi prime Bank consulted by Bian Xiao, 50% banks kept the mortgage interest rate of the first suite last month at the benchmark interest rate (4.9%). Bank of China's marital status is different, with singles rising by 25% and married by 20%.
However, it is more affordable for our local Wuxi Rural Commercial Bank to float to 13%, but there are additional conditions, and we need to buy the bank's wealth management products and insurance to make a certain contribution. The general loan interest rate of ordinary customers has risen to around 18%, but it is also lower than other banks.
The first home loan interest rates of China Construction Bank, Bank of Communications, China Merchants Bank, Jiangsu Bank, China Everbright Bank, Huaxia Bank and China Postal Savings Bank were the same as last month, while the first home loan interest rates of China Bank, Industrial and Commercial Bank of China and Agricultural Bank all rose.
Under the control of large companies, the second suite generally rose by 25%
Banks with lower interest rates on second home loans include China Construction Bank, Industrial and Commercial Bank of China, Bank of Communications, Jiangsu Bank, Huaxia Bank, China Postal Savings Bank and Wuxi Rural Commercial Bank. The loan interest rate can still rise by 25%, of which the Agricultural Bank will rise by 22%, but the premise is that the customer's credit information is good, and some banks will make preferential adjustments to the interest rate according to the down payment ratio. For example, the down payment ratio of China Construction Bank is 40-45%, the interest rate rises by 25%, and the down payment ratio is 45.
There are also a few banks with high gains. China Merchants Bank's second home loan interest rate rose by 30%, and China Everbright Bank rose by 35%. At present, the bank's capital control is very strict, and the bank's review of mortgage loans is also very strict.
What's the interest rate when major banks die?
The bank's dead interest rate is as follows:
1. The benchmark interest rate for RMB deposits is as follows:
1. Demand deposit: the benchmark interest rate is 0.35%.
2. Time deposit:
(1) lump sum deposit and withdrawal: three months 1. 10%, six months 1.30%, one year 1.50%, two years 2. 10, three years 2.
(2) installment deposit, lump sum deposit and withdrawal, installment deposit, principal plus interest: one year 1. 10%, three years 1.30%.
3. Agreement deposit: the benchmark interest rate is 1. 15%.
4. Notice deposit: 0.80% for one day, 7 days 1.35%.
Two. The benchmark interest rate for RMB loans is as follows:
1. Short-term commercial loan: within 1 year (inclusive), with an annual interest rate of 4.35%.
2. Medium and long-term commercial loans: 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; For more than 5 years, the annual interest rate is 4.9%.
3. Personal housing provident fund loan: less than 5 years (including 5 years), with an annual interest rate of 2.75%; For more than 5 years, the annual interest rate is 3.25%.
Did the interest rate of Wuxi Rural Commercial Bank drop in May?
It fell down. Wuxi Rural Commercial Bank decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from May 1 2020 to further accelerate the interest rate marketization reform. The one-year deposit rate was lowered from 5.75% to 5.5% by 0.25 percentage point, and the deposit rates of other grades were adjusted accordingly. The deposit interest rate remains unchanged.
What is the loan interest rate of rural commercial banks?
The five-year interest rate is 4.75% of the benchmark interest rate.
The rural commercial bank system in all places is independent, and the loan interest rate is based on the benchmark interest rate of the central bank, and then determined according to its own situation. Different loan products have different interest rates. The benchmark interest rate of central bank loans is within 1 year, and the interest rates over five years are 4.35%, 1-5 years, 4.75% and 4.9% respectively.
Rural commercial banks around the country provide a variety of loan services according to the different loan needs of customers, such as credit loans, mortgage loans, housing mortgage loans and so on. The general loan interest rate will fluctuate by 0-30% on the basis of the central bank's benchmark interest rate according to the lender's credit situation, subject to the actual interest rate.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when granting loans:
(1) The capital adequacy ratio shall not be less than 8%.
(2) The ratio of loan balance to deposit balance shall not exceed 75%;
(3) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.
(4) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.
(5) Other provisions of the State Council Banking Regulatory Authority on asset-liability ratio management.
If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.
The introduction of loan interest rate of Wuxi rural commercial bank ends here.