Although the first home loan can enjoy some preferential policies, the loan interest still has to be paid. Some friends are bent on making money and want to earn enough money to buy a house early, but when they really buy a house, they find that many things are unclear, especially about interest rates. Next, Bian Xiao will introduce the interest rate of the first home mortgage to you.
What is the interest rate for the first home mortgage?
1 and 20 18 April, the average interest rate of the first home loan in China was 5.56%, which was equivalent to 1. 135 times of the benchmark interest rate, up 0.9 1% from March and 23.0/kloc-0 from April last year. It is noteworthy that from June 20 17 to June 2007, the average interest rate of the first suite in China has increased by 16 months.
2. Among the 533 banks in 35 cities, 76 branches (sub-branches) raised the interest rate of the first home loan, accounting for 14.26%, and 26 branches (sub-branches) suspended the first home loan business. In April this year, the average interest rate of the first home loan of the bank was the lowest, which was 0.088 times of the benchmark of 65438+. The highest average interest rate of the bank's first home loan is 1. 1.96 times of the benchmark; The average interest rates of the first home loans of ICBC, ABC, BOC and CCB have all exceeded the benchmark interest rate 12%.
3. The interest rate of the first home loan is raised from the original benchmark interest rate of 4.9% to 1. 1 times 5.39%. If the loan is 1 10,000 yuan, the monthly payment will increase from 5787.8 yuan to 6075.4 yuan. Compared with 3 17, the interest rate of the property market before the New Deal is 15% off, and the monthly supply is increased by 1202.7 yuan.
Is there a discount for the first home loan?
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different.
Bian Xiao's conclusion: What is the interest rate of the first home mortgage? I hope I can help you. I believe that after reading the above, what is your first home loan interest rate? If you have more knowledge, you can also refer to it in the future.
Which bank in Handan has the lowest mortgage interest rate in 2022?
List of bank mortgage interest rates in 2022, list of mortgage interest rates of four major banks.
Bank 2023-0 1- 12 34 reading
1. China Construction Bank: the first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.35% (LPR170bp);
2. ICBC: the first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.1%(lpr145bp);
3. Agricultural Bank: the first interest rate is 5.8%(LPR 1 15BP) and the second interest rate is 5.95% (LPR130bp);
4. Bank of China: the first interest rate is 6.35%(LPR 170BP) and the second interest rate is 6.5%(LPR 150BP).
The above is the relevant content of the list of bank mortgage interest rates in 2022. Agricultural Bank has the lowest mortgage interest rate.
How much is the mortgage interest rate in Cixian County?
4.6%。
Most banks lowered the mortgage interest rate in Hebei province, ranging from 0.2% to 0.3%. After the implementation of the policy, the interest rate of the first home loan directly enjoys 4.6%, and the interest rate of the second home loan is adjusted to 5.05%.
Cixian County, a county under the jurisdiction of Handan City, Hebei Province, was called Cizhou in ancient times, which is the birthplace of the famous Cizhou kiln culture in China. Located in the center of the Central Plains Economic Cooperation Zone, it is the thoroughfare of Shanxi, Hebei, Shandong and Henan provinces, with Taihang in the west, Guzhao in the north and Yecheng in the east. The terrain is high in the west and low in the east. The western part belongs to the eastern foot of Taihang Mountain, and the eastern part is the piedmont alluvial plain, with mountains, hills and plains each accounting for one third.
Handan mortgage interest rate
Handan's loan interest rate is implemented with reference to the benchmark interest rate of the central bank. The current benchmark interest rate in China is as follows: 1. Short-term loan: within 6 months, the interest rate is 4.35, and the interest rate is 4.35 from 6 months to 1 year (including one year); 2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate is 4.75 for three to five years (including five years); The interest rate for more than five years is 4.90; 3. Personal housing provident fund loan: less than five years (inclusive), with interest rate of 2.75; The interest rate for more than five years is 3.25. The borrower of Handan self-employed loan to buy a house must meet the following conditions: 1, with permanent residence in Handan or valid residence certificate; 2. Have the ability to repay in full and on time; 3. There is a legal purchase contract/agreement; 4. Have a certain down payment; 5. Can provide industrial and commercial business license and recent tax payment certificate; 6. Other conditions required by the lending institution. According to the Notice on Issues Concerning Standardizing the Individual Housing Loan Policy of Housing Provident Fund jointly issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission. Use the housing provident fund loan to buy the first set of ordinary self-occupied housing in Handan. If the building area of the apartment is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.
What is the interest rate of the first home loan?
Now house prices are getting more and more expensive, ranging from hundreds of thousands to millions of a suite. Buying a house is a difficult thing for people who have no savings. So many people choose loans when buying a house. The loan interest rates of the first suite and the second suite are different. So what is the interest rate of the first home loan? Let's take a look with Bian Xiao.
1. What's the interest rate for the first home loan?
The average interest rate of the first home loan is 5.43%, which is 1. 1 1 times of the benchmark interest rate, but the interest rates in different cities are different. For example, Shanghai's first home loan interest rate is 5. 16%, Guangzhou is 5.55%, Beijing is 5.47%, Kunming is 5.39%, Fuzhou is 5.4 1%, and Dalian is 5.39%.
Second, what should I pay attention to when buying a house with a loan?
1. Apply for a mortgage according to your ability.
Many people think that the more loans, the better. This is a wrong thinking, because the mortgage is to be repaid. The more loans, the more interest you have to pay. Therefore, the loan amount should be selected according to your own situation, so that the pressure of paying interest every month will not be so great.
2. Prepare loan information in advance.
When you take out a loan, you have to hand in a lot of materials and prepare in advance, which makes the loan more convenient. Loan materials, such as the lender's identity certificate, house purchase contract, social security related certificates, etc. Secondly, if the credit card has a bad record, then the bad record should be eliminated first, or relevant certificates should be issued.
Provide true information
The information provided to the bank must be true. If the false information is detected by the bank, the loan will be terminated, and the developer will bear the responsibility for breach of the pre-sale contract and pay a certain penalty.
4. Don't use the provident fund before applying for a loan.
If the lender uses the balance in the provident fund before the loan, the balance in the provident fund will become zero, which means that the loan amount is zero and the loan cannot be made, so the provident fund cannot be used before the loan.
Mortgage interest 20221February interest rate Handan
4.65%。 In 2022, loan prime rate, the first property of Bank of China, was 4.65%, with an increase of BP 1.03%, and the interest rate of the executed loan was 5.68%. Housing loan, also known as housing mortgage loan, is the application form for housing mortgage loan filled out by buyers to the loan bank.
The introduction of the first home loan interest rate in Handan ends here.