Loan interest rate table of house purchasing bank:

The loan interest rate table of the house purchasing bank refers to the ratio of the interest amount to the principal amount during the loan period. The interest rate in China is managed by the People's Bank of China, and the interest rate determined by the People's Bank of China is implemented after being approved by the State Council.

1. 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 different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, 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%.

2. The second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites.

3. If it is a loan with a term of less than five years, it will be adjusted from the current 4.32% to 4.05%. If the loan term exceeds five years, it will be adjusted from 4.86% to 4.59%, down by 0.27 percentage points respectively. What needs to be added is that if it is a provident fund loan for more than five years, the interest rate is 4.59%, and the minimum commercial loan is 7.83%0.75.48%.