The latest mortgage interest rates in 2022 are as follows: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for five years and above, 2.75% for housing provident fund loans for five years and below, and 3.25% for five years and above.
Assuming that the cost of housing loan is 200,000 yuan and the principal of the loan remains unchanged for 20 years, the floating interest rate of lpr is selected for pricing, and the increase is 0. 1%, which remains unchanged. In 2022, the interest rate of Holleridge housing loan will be 4.75%.
The repricing amount is 65438+ 10 month 1 every year, that is, 1. If the interest rate of the upgraded lpr over five years is 4.3% on February 20, 2022, then new housing loans will be issued throughout the year after the repricing of 65438+10/0/in 2023. 2. In 2022, mortgage interest rates's income was 4.75%, and the monthly payment was = 1, 292.45 yuan. In 2023, the new interest rate will be 4.4%, the monthly payment will be = 1254.53 yuan, and the monthly payment will be reduced by 37.92 yuan.