Different loan methods have different interest rates, among which the interest rate of provident fund loans will be relatively low. The longer the loan term, the higher the loan interest rate, and all banks will float above the benchmark interest rate of the central bank. In order to help you understand the specific content, let's explain in detail the mortgage interest rates of major banks in 2022.

In 2022, the interest rate of central bank loans will be 4.35% within one year (including one year), 4.75% within one to five years (including five years), and 4.9% for loans over five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.

The average mortgage is more than five years, and most provident fund loans are not enough to support the current total mortgage, so the interest rate of commercial loans is the most representative.

Then, let's look at the floating level of commercial banks.

We can see that the central bank's loan interest rate for more than five years is 4.9%, which has returned to the level of about 20 15.

At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.

Second, the latest personal loan interest rate

Within six months (including six months): annual interest rate is 6. 10%.

Half a year to one year (including one year): the annual interest rate is 6.56%.

One to three years (including three years): the annual interest rate is 6.65%

Three to five years (including five years): the annual interest rate is 6.90%

More than five years: the annual interest rate is 7.05%

Third, the mortgage interest rate 2022 latest interest rate?

Authorized by the People's Bank of China, the National Interbank Funding Center announced that on May 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and over 5 years, 4.45%. The above LPR is valid until the next LPR version.

Taking the repayment of principal and interest of 6,543,800 yuan for 30 years as an example, the monthly payment can be reduced to 89 yuan. Based on the interest rate of the first home loan of 4.6%, the loan is 654.38+0 million, and the principal and interest will be repaid in 30 years. The total repayment amount is 6.5438+0.8455 million yuan, and the monthly repayment amount is 5.65438+0.26. 44 yuan.

If the interest rate of the first home loan is 4.45% and the loan is 654.38+0 million, the principal and interest will be repaid in 30 years. The total repayment amount is 654.38+0.8 1.3 million yuan, and the monthly repayment will be 503.7 1.9 yuan.

Lowering 15 basis point, from the lowest 4.6% to the lowest 4.45%, means that the monthly loan of 1 10,000 can save 89.25 yuan, which is less than 32,500 yuan in 30 years.

Wang Qing, chief macro analyst of Oriental Jincheng, believes that the downward adjustment of LPR quotation on May 20 is based on the following two reasons: on the one hand, the urgency of lowering the loan interest rates of enterprises and residents is further enhanced; On the other hand, the market interest rate has dropped significantly recently, and the regulatory authorities are pushing the cost of bank deposits to drop rapidly, so more quotation banks have the incentive to lower the LPR quotation. Therefore, although the interest rate of the Multilateral Fund remained unchanged in May and there was no comprehensive RRR cut, the LPR quotation may be lowered separately.

Fourth, the latest announcement of the mortgage interest rate of CCB 2022

First, the mortgage interest rate of China Construction Bank

1, personal housing provident fund loan

Less than five years (including five years) 2.75%

More than five years, 3.25%

2. Commercial mortgage interest rate

Less than five years (including five years) 4.75%

More than five years, 4.90%

Second, apply for individual housing loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide bank guarantee or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Deduct the loan principal and interest by opening a personal settlement account designated by the bank;

5. Other conditions stipulated by the bank.