Since 2065 438+06 65438+ 10/month, major banks have adjusted mortgage interest. In 20 15, the central bank cut interest rates five times, and the expected annualized interest rate of commercial loans with a term of more than five years dropped from 6. 15% at the beginning of the year to 4.9%. However, according to the adjustment rules of the expected annualized interest rate of most mortgages, the interest rate cut will take effect in the following year (20 16). The expected annualized interest rate of Changsha provident fund loan benchmark was also lowered four times in 20 15, from 4.35% at the beginning of 20 15 to 3.25%.
1. Expected annualized interest rate of the first home loan.
The expected annualized interest rate of ABC's first home loan is the highest, and the lowest expected annualized interest rate of Changsha's first home loan can reach 4.4 1%.
The expected annualized interest rate of the first home loan is 4.9%: Bank of China, Bank of Communications, Industrial Bank, Huaxia Bank, Shanghai Pudong Development Bank and China Everbright Bank.
Expected annualized interest rate of the first home loan 10% -9.5%: Agricultural Bank, Postal Savings Bank, Industrial and Commercial Bank, Changsha Bank, China Construction Bank, China CITIC Bank, China Merchants Bank, China Guangfa Bank and Minsheng Bank.
The expected annualized interest rate of second-home and commercial real estate loans of major banks is still twice the expected annualized interest rate of the loan benchmark. The expected annualized interest rate for second-home and commercial real estate loans is 5.39%. In addition to Changsha Bank's implementation of 60% down payment for the second suite, the down payment for the second suite of other banks is 40%.
2. Down payment for the first suite
Changsha 1 1 Banks implement 250% down payment for the first suite: China CITIC Bank, Minsheng Bank, China Bank, Postal Savings Bank, Industrial Bank, Agricultural Bank, China Merchants Bank, China Construction Bank, Bank of Communications, Huaxia Bank and Industrial and Commercial Bank.