Mortgage interest rates in the past five years

1. Construction Bank’s first set interest rate: 5.9 (LPR125BP), second set interest rate: 6.35 (LPR170BP);

2. ICBC’s first set of interest rates: 5.9 (LPR125BP), second set of interest rates: 6.1 (LPR145BP);

3. Agricultural Bank of China’s first set of interest rates: 5.8 (LPR115BP), second set of interest rates: 5.95 (LPR130BP);

p>

4. The first set of Bank of China interest rates: 6.35 (LPR170BP), the second set of interest rates: 6.5: (LPR150BP).

China's larger banks include Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications and Postal Savings Bank. The interest rates for these larger bank loans fluctuate based on the central bank's benchmark interest rates, which are as follows:

The interest rate for more than one year (including one year) is 4.35;

One to five years The interest rate per year (including five years) is 4.75;

The interest rate for three and more than five years is 4.9;

4. The interest rate for provident fund loans under 5 years (including 5 years) is 2.75, and the interest rate for 5 years is 2.75 The above interest rate is 3.25.

The above is the relevant content of the list of mortgage interest rates of various banks in 2021.

Will the increase in mortgage interest rates affect the interest rate of a home purchased?

Whether the increase in housing loan interest rates will affect housing loans that have been processed requires specific analysis:

1. Like personal provident fund loans, the implementation of the central bank's standard loan interest rate is generally a floating rate loan policy. If the central bank adjusts the standard lending rate, the new interest rate will be implemented on January 1 next year. Of course, if the central bank does not adjust it during the loan period, the housing loan interest rate will of course be fixed and will not change;

2. Personal commercial housing loans are corresponding period LPR. If the borrower chooses a fixed interest rate, regardless of the benchmark plus points Or the base points are added (once the base points are clearly unchanged), how to adjust the LPR, the borrower's housing loan interest rate is not impossible to change; if you choose a floating interest rate, on the re-price date, it will be the base points required for the new LPR calculation to obtain The new interest rate is then implemented in the next cycle. Naturally, home loan rates remain unchanged for the time being during the rebidding period. In this case, the borrower can choose a floating interest rate or a fixed interest rate when applying for a commercial loan based on his personal judgment on the future development of LPR.

The latest 5-year loan interest rate

The latest five-year (including 5-year) loan interest rate announced by the central bank is 4.75%, which is the benchmark interest rate. Each locality can make adjustments according to its own specific circumstances.

What is the interest rate for commercial loans?

If you need to buy a house, start a business, study abroad, decorate, invest, etc., you can go to the bank for a loan to solve the financial problem, as long as you meet the requirements The bank will grant the loan according to the bank's loan conditions. After getting the loan, you can repay the principal and interest to the bank monthly. So what is the commercial loan interest rate?

1. What is the commercial loan interest rate?

1. The interest rate of the loan is closely related to the purpose of the loan, the term of the loan, the nature of the loan, the policy of the loan, the difference of the loan bank and other factors. . Our country has stipulated a benchmark interest rate. All major banks only need to determine the loan interest rate based on different factors, that is, increase or decrease the specified benchmark interest rate. The current benchmark interest rate in my country was adjusted and implemented on July 6, 2012:

① The short-term loan for 6 months is 5.6.

②6 months to 1 year.

③1 to 3 years is 6.15.

④ 6.4 from 3 years to 5 years.

⑤ 6.55 for more than 5 years.

2. The housing loan interest rate is a comprehensive evaluation by the bank based on the credit status of the loan, collateral, national policies, etc., and the final loan interest rate is determined. If all aspects of the evaluation are good, different banks will provide Home loan interest rates will vary. When funds are tight, some banks have adjusted first-time home loan interest rates to 1.1 times or 1.05 times the benchmark interest rate. However, the final determination of interest rates needs to be judged based on different banks, different times, and different circumstances.

2. What materials are required for commercial loans?

1. Identity proof materials: ID card, military officer ID card, etc.

2. Marriage certification materials: marriage certificate, divorce certificate, single birth certificate, etc.

3. Proof of purpose: New houses require purchase contracts, down payment invoices, etc. Second-hand houses require the original property certificate, purchase contract, etc. Renovation loans require a contract with the renovation company.

4. Information proving personal repayment ability.

5. Other materials need to be prepared according to the bank’s requirements.

Editor’s summary: Doctor is the article that the editor shared with you today. What is the commercial loan interest rate and what materials are required for commercial loans. I hope that the article shared by the editor can help everyone.

That’s it for the introduction to the 5-year interest rate of commercial loans.