The loan term is 65,438 438+ 10/0,000,65,438+00 years, and the monthly repayment amount varies according to the repayment method. Usually there are equal principal and interest and equal principal repayment. 05 interest rate, as follows:

2. What does it mean that the loan interest rate rises 10%?

The loan interest rate rises 10%, that is, it rises on the basis of the benchmark interest rate 10%.

For example, the current five-year loan interest rate is 5.9%, and after floating 10%:

Interest rate = benchmark interest rate (110%) = 5.9% ×1.1= 6.49%.

The latest benchmark interest rate table for bank deposits and loans implemented on June 24th, 20 15: 4.35% for six months, 4.75% for one year and 4.9% for five years. Remarks: The benchmark interest rate is set by the central bank, and the bank loan interest rate can fluctuate on this basis.

3. What does it mean for the loan interest rate to rise 10%?

(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%.

(2) The interest rate of the first home loan rises 10%. The current benchmark interest rate was adjusted and implemented on July 7, 1965, 438+065,438+0, with an interest rate of 6.90% for five years. The floating interest rate is 7.05% 65,438+0 = 7.755%.

(3) Unless the country (or loan issuing bank) has special policies. During the loan period, the fluctuation (or decline) will remain unchanged. If the benchmark interest rate is adjusted, the loan interest rate will rise (or fall) on the basis of the new interest rate. In other words, as long as the benchmark loan interest rate remains unchanged, the repayment amount will not change.

The calculation of loan interest adopts floating interest rate, and the interest is adjusted with the adjustment of interest rate. Of course, no matter how it is calculated, it has no effect on the interest paid. Will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage); Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day.

4. Why did the mortgage interest rate rise 10%?

A rise in mortgage interest rate of 10% means an increase of 10 percentage point on the basis of the benchmark interest rate. For example, based on the current benchmark interest rate of commercial loans for more than five years of 4.90%, after the mortgage interest rate rises by 10%, the actual principal and interest are equal to 5.39% at the conversion rate of 4.90%( 1 10%) or the monthly payment is calculated according to the average capital.

The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.