Adjustment Policy of Mortgage Interest Rate in 2022

The loan interest rate within one year is 4.35%. The loan interest rate for one year to five years is 4.75%. At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have made different adjustments to the interest rate of the first home loan.

The interest rate of provident fund loans is 2.75% for loans of less than five years (including five years) and 3.25% for loans of more than five years. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%.

During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%. The second suite is defined as the second suite where the borrower's family (including the borrower, spouse and minor children) determines the mortgage times and has used provident fund loans or commercial loans to purchase houses.

For the previous loans, after the benchmark interest rate is adjusted, the new benchmark interest rate will be implemented next year 1 month 1 day, and the monthly payment will change.

How to calculate the mortgage interest rate

If the loan is only 1 year or less, the interest rate is 4.35%; If the loan is in 1 to 5 years, the interest rate is 4.75%; If the loan is over 5 years, the interest rate is 4.90%.

1, interest = loan amount × annual interest rate× term. This formula is based on simple interest, calculated vertically within the term, and it is a calculation formula for one-time repayment of principal and interest at maturity.

2. The loan is different. First of all, they are compounded monthly. The second is to repay by installments, and part of the principal repaid is not used for subsequent calculation of interest.

3. Calculate the interest at a 30% discount on the current mortgage. At present, the benchmark interest rate for more than five years is 5.94%, which is 4. 158% after discount, and the monthly interest rate is 4.158%/12 = 0.3465%.

Bank housing loan interest rate

Because of rising house prices, many people can't pay off their house prices in one lump sum, so they choose mortgage loans to buy houses. Buying a house with a loan means spending future money to buy a house. What is the interest rate for buying a house with a bank loan? Let's take a look with Bian Xiao.

First, the bank loan interest rate.

1. At present, the interest rate of commercial loans with a loan term of more than five years is 4.9%. Due to restrictions on purchases and loans in various places, banks have different adjustments to the interest rate of the first home loan. According to the survey, the average loan interest rate of the first home in China is 5.38%, and most loan interest rates have risen by about 5% to 20%. The interest rate of second-home loans mostly rises 10% to 30%. During the same period, the interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans mostly rose by about 10%.

2. The definition of the second suite is that the number of housing loan sets is determined by the family of the loan applicant (including the loan applicant, the spouse of the loan applicant and the minor children of the loan applicant). Families who have used provident fund loans or commercial loans to buy houses and apply for housing loans again are regarded as two suites.

Second, the basic knowledge of housing loans

1, calculation method of bank loan interest rate

(1) Calculated by year: generally expressed as a percentage.

The calculation formula is: interest = loan balance at the beginning of the month × monthly interest rate × months.

(2) Monthly calculation: generally indicated by a dial indicator.

The calculation formula is: interest = housing loan balance × daily interest rate × actual occupied days.

(3) Daily calculation:

The calculation formula is: daily interest rate = monthly interest rate ÷30 or annual interest rate ÷360.

2. Penalty interest on bank loans

(1) Penalty interest refers to the interest charged by the bank to urge the lender to repay when the loan applicant is overdue, so as to improve the lender's repayment enthusiasm and initiative.

(2) The penalty interest shall be calculated on a daily basis, and the daily interest rate of the loan contract shall be increased by 30% to 50%. Stop the penalty interest when repaying the loan. If the lender defaults on interest, compound interest will be calculated daily according to the interest rate of the loan contract.

So much for the basic knowledge of bank loan interest rate and housing loan. Friends must pay attention to the interest rate of bank loans when buying a house, and then apply for loans according to their own needs to ensure that their loans can be handled smoothly.

Will the loan interest rate rise?

Will the loan interest rate rise?

Loans and mortgages will not rise. Although the mortgage interest rate has risen sharply, the benchmark interest rate will not change, that is, the discount on loans will not change. Friends who have already borrowed money to buy a house can not worry. And the contract has been signed, and we have got the mortgage. The loan bank will charge our mortgage principal and interest according to the mortgage contract, and we can't ask for an increase in interest at will.

What conditions do you need to buy a house with a loan?

First, the basic conditions of commercial housing mortgage loans

1. Lenders should have stable income, repayment ability and good credit. Usually the house to be purchased should be in the town, and it should be the lender's current residence or work place.

2. Signed a commercial housing sales contract with the developer and paid at least 30% down payment to the developer.

3. The loan amount shall be determined according to the borrower's credit status, occupation and repayment ability.

4. The loan needs to go through the mortgage registration of the pre-purchased commercial housing first, and promises to go through the loan formalities with the mortgage of the real estate license after the commercial housing is completed and the real estate license is obtained.

Secondly, information must be provided.

1. When making a loan, the applicant and his/her spouse's ID card and the original and photocopy of the household registration book shall be provided (in addition, marriage certificates of both parties shall be prepared);

2. The commercial housing sales contract signed by the lender and the real estate;

3. The original and photocopy of the payment receipt for the down payment of 30%;

4. The lender's income certificate (provided by the bank);

5. If the borrower is the legal representative, it is required to carry a valid business license of enterprise legal person or business license of enterprise legal person, financial statements, etc. If it is a joint-stock enterprise, a mortgage certificate approved by the company's board of directors is also required.

6. The developer's collection account number.

Bian Xiao concluded: The above is about whether the mortgage interest rate will rise. I hope it will help everyone! The mortgage interest rate will generally rise a lot. It is suggested that buyers should be optimistic about the rate of interest rate rise when buying a house with a loan.

So much for the introduction of the floating mortgage interest rate.