The interest rate of commercial housing in Hangzhou rose by 65,438+00% on the basis of the benchmark interest rate. However, at present, the loans of major banks in Hangzhou are relatively tight, so interest rates should also rise more. The floating range of different banks is different, and it must be at least 10%.

At present, the interest rate of commercial loan for house purchase in Hangzhou is implemented by most banks: the interest rate of the first suite rises 10%, and the interest rate of the second suite rises 15%. The loan interest rate of commercial and residential dual-use housing depends on its own situation. The interest rate of the first loan for more than five years is 6.55%, the interest rate of the second loan rises by 1 times, and the longest mortgage loan term is 18. Hello, the loan interest rate for commercial and residential dual-use houses is the benchmark interest rate floating 10%, and the benchmark interest rate is 4.9, so the commercial and residential interest rate is 5.39.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

What is the interest rate of Suzhou apartment loan?

Hello, the loan interest rate of Suzhou apartment is generally determined according to the loan term and loan amount, which is generally lower than the commercial loan interest rate. For example, the one-year loan interest rate can be controlled at 4.9%~5.9%, the three-year loan interest rate can be controlled at 5.6%~6.6%, and the five-year loan interest rate can be controlled at 6.2%~7.2%. The specific interest rate depends on the loan amount and loan term, which is possible.

What is the loan interest rate for commercial and residential buildings?

It is related to the implementation of interest rates.

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. 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. 1 times the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The interest rate is 6.55%0.85=5.5675% after 15% discount over five years. It has been tightened since the third quarter due to the shortage of funds and credit funds, and may be relaxed after the Spring Festival. The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount.

According to the benchmark interest rate, the monthly interest rate is 6.55%/ 12.

Monthly repayment amount is 300,000 years (96 months):

3000006.55%/ 12 ( 16.55%/ 12) 96/[( 16.55%/ 12) 96- 1] = 4023.

The interest rate of the first commercial and residential mortgage in Pingnan County, Guigang City is 5438+065438+2022 10 month.

In 2022, the interest rate of the first commercial and residential mortgage in Pingnan County, Guigang City 1 1. Now the first interest rate is 4.3%. Compared with last August, the interest can be reduced by 372,300 yuan, and the monthly interest can be reduced by 1034 yuan.

What is the interest rate of commercial housing loan?

Since 20 15, 10124, the central bank's benchmark interest rate has not changed, as follows:

1, the benchmark interest rate of commercial mortgage.

(1) Within one year, the interest rate is 4.35%.

(2) The loan term is one to five years and the interest rate is 4.75%.

(3) If the loan term exceeds five years, the interest rate is 4.90%.

2. benchmark interest rate of provident fund mortgage.

(1) The loan is within 5 years, and the interest rate is 2.75%.

(2) If the loan is over 5 years, the interest rate is 3.25%.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low;

On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Processing flow:

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB conducts loan approval.

4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

What is the new policy of commercial and residential dual-use housing in Shanghai?

Many people yearn for life in big cities, especially first-tier cities. Shanghai is a rapidly developing city, so it is not easy to buy a house in Shanghai. At present, the purchase restriction policy in Shanghai is still very strict, so what is the new policy for commercial and residential dual-use houses in Shanghai? What is the difference between commercial and residential dual-use houses and ordinary houses? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

What is the new policy of commercial and residential dual-use housing in Shanghai?

1. The loan process for commercial and residential buildings in Shanghai is basically the same as that for residential buildings, except that the loan interest rate for commercial and residential buildings is higher than the down payment. 50% down payment for commercial and residential housing loans, 20% down payment for the first suite of ordinary housing and 50% down payment for the second suite. The loan interest rate of commercial and residential dual-use houses will be relatively high, usually not lower than 1. 1 times the benchmark interest rate, and some banks are 1.3 times the benchmark interest rate.

2. Commercial housing in Shanghai cannot be loaned by provident fund, and the longest loan period cannot exceed ten years. Property buyers who have saved the housing provident fund can only withdraw the provident fund to repay commercial loans. In addition, the taxes and fees of commercial and residential dual-use houses in Shanghai will be higher than ordinary houses, with shorter service life, more difficult to settle down, and more difficult for buyers to go public, so they should be treated rationally when choosing.

What is the difference between commercial and residential dual-use houses and ordinary houses?

1. The term of property rights of commercial and residential dual-use houses is usually forty or fifty years, and that of ordinary houses is seventy years. Commercial and residential dual-use houses cannot solve the hukou problem, and ordinary houses can be settled. In addition, commercial and residential houses can only use water and electricity, not gas, and water and electricity are generally charged according to commercial standards, so the cost of living will be higher than that of ordinary houses.

2. The residential density of commercial and residential dual-use houses will be higher, and the living comfort will be lower. Ordinary houses have smaller living density, quieter environment and higher comfort.

Abstract: The above are the related contents of the New Deal of Shanghai Commercial and Residential Dual-use Housing issued by Bian Xiao, hoping to help some friends in need.

This concludes the introduction of commercial and residential loan interest rates. I wonder if you have found the information you need?