Will the mortgage interest rate LpR be lowered in 2022?
In 2022, the 1 year LPR may be lowered, and the 5-year LPR is not expected to be lowered, because at present, the lpr includes 1 year and 5-year lprs, of which 1 year lpr is lowered by 80% by 5 basis points, and 19 months, and the lpr over 5 years remains unchanged at 65%. Such a rate cut means that there may be some loosening of monetary policy, which will reduce the operating costs of enterprises, while the mortgage interest rate of banks remains basically unchanged.
Mortgage interest is usually closely related to the bank loan interest rate. According to relevant national regulations, the loan term of our bank is within 1 year, and its loan interest rate is 4.35%; If our loan term is 1-5 years, then the interest rate of the mortgage is 4.75%; If our loan term exceeds 5 years, the interest rate is 4.9%. You can also choose a provident fund loan to buy a house, and its interest rate is usually lower than that of commercial loans. If the term of the provident fund loan is less than 5 years, the interest rate is 2.75%; The loan term is over 5 years and the interest rate is 3.25%.
The mortgage rate is 4.9. Why does it cost 5.8 to buy a house?
If the mortgage interest rate is 4.9%, but it becomes 5.8% when buying a house, it is estimated that the customer directly regards the annual interest rate of all loans over five years as the mortgage interest rate.
We should know that individual commercial housing loans are not based on the central bank's benchmark interest rate, but on the loan market quotation (LPR). From April 2020 to July 20021year, the price of LPR has remained unchanged, and it has been 4.65% for more than five years.
The basis point stipulated by the bank where the customer can apply for mortgage is 1 15 basis points, so 4.65% plus1/5 basis points (one basis point is equal to 0.0 1%), and the final interest rate is 5.8% (the central bank stipulates that the interest rate of the first personal commercial housing loan shall not be lower than the LPR in the same period.
As for individual housing provident fund loans, although the benchmark interest rate of central bank loans is still implemented, there is a special division of provident fund loans in the benchmark interest rate of central bank loans, and the annual interest rate for five years or more is 3.25% (the interest rate of the second housing provident fund loan is 1. 1 times of the benchmark interest rate, that is, 3.575%).
Will the mortgage interest rate LpR be cut in 2022? The mortgage rate is 4.9. Why is it 5.8 to buy a house? Let's call it a day. According to the market situation, the mortgage interest rate is raised, the transaction volume is reduced, and the house price is falling; The mortgage interest rate is lowered, the transaction volume is rising, and the house price is rising.