Loan interest rate (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) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.

2. What is the loan interest rate for buying a second-hand house?

At present, the interest rate of the first home loan is 4.2%, and the interest rate of the second home loan is 4.9%. Now the loan interest rates of new houses and second-hand houses in Hengshui City are the same.

3. What is the interest rate of second-hand housing loan?

Loan interest rate for one year and below: 4.85%.

These include houses (excluding non-residential houses) that have not been decentralized but have been registered in the housing management department. Note: If the property sold is a non-residential property, individual income tax will be paid under any circumstances. Moreover, the local taxation bureau must also levy 20% of the difference in business tax payment during the tax collection process.

Personal income tax:

Conditions for collection Individual housing transfer income tax shall be paid for the sale of non-unique houses by families. There are two conditions:

(1) The only residence in the family.

② The purchase time is more than 5 years.

If both conditions are met at the same time, individual income tax can be exempted; If you don't meet any conditions, you have to pay personal income tax. Note: If it is the only residence of the family, but the purchase time is less than 5 years, it needs to be paid in the form of tax deposit first. If you can buy the property again and obtain the property right within one year, you can return the tax deposit in whole or in part.

Refer to the above content: Baidu Encyclopedia-taxes and fees for second-hand houses

4. What is the interest rate of second-hand housing loan?

The annual interest rate is 5.94%, with monthly payment 1656 yuan in the first 20 years and loan1may payment 1983 yuan. You can own a second-hand house and implement the same interest rate standard.

The basic annual interest rate of current mortgage loan.

6. 15% (loan term is more than five years)

6% (loan period is less than five years)

The bank will give corresponding preferential treatment according to the conditions of the loan applicant, and at present, the minimum discount can be 15%; If the credit rating is above Grade II, the interest rate will rise 10-30%. # Different branches of the same bank will have different interest rates. At present, the first home loan is down by 5% to 5%, and the second home loan is up by about 10%. Mortgage: Consumer goods are rising 15% to 30%. If it is the three-neck period of enterprise management, the bank loan task is almost completed, and the time will be slower. This is the current benchmark interest rate from June to June (including June) 6. 1 0% June-1 year (including1year) 6.56% 1-3 years (including 3 years) 6.65%3-5 years (including 5 years)

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