The interest rate of commercial loans in Beijing varies according to the loan years.

Within one year, including one-year short-term loans, the central bank's benchmark interest rate is 4.35%; From one year to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%; For long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%.

If it is a personal provident fund loan, including short-term loans of less than five years, the benchmark interest rate of the central bank is 2.75%; For long-term loans of more than five years, the benchmark interest rate of the central bank is 3.25%. The interest rate of the first home mortgage rose by 10%, that is, it rose on the basis of the benchmark interest rate of the central bank loan. Generally, mortgages are long-term loans for more than five years. After the increase of 10%, the mortgage interest rate = 4.9 %× (110%) = 5.39%.

2. Who knows the interest rate of the first home purchase loan in Beijing?

At present, the new first home loan interest rate is 5.60%, the loan interest rate for one to five years (including five years) is 6.00%, and the loan interest rate for more than five years is 6. 15%. If an individual is applying for the deposit and loan interest rate, it will be different from before. Because the interest rate of provident fund loans has also dropped. The interest rate of the first home loan of the provident fund is: the interest rate of the housing provident fund loan for more than five years is 4.25%, and that for five years and below is 3.75%. I hope my answer can help you.

3. What is the interest rate of the first home loan in Beijing?

I. Loan interest rate:

Annual interest rate of the project (%)

I. Short-term loans

Within one year (including one year) 4.35

Second, medium and long-term loans

One to five years (including five years) 4.75

More than five years 4.90

III. Annual interest rate of provident fund loans%

Less than five years (including five years) 2.75

More than five years 3.25

According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest required for loans will be more or less.

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

4. What is the 25-year loan interest rate for the first home in Beijing?

The 25-year loan interest rate for the first home in Beijing is about 3.255%. In 25 years, the interest rates of the first suite and the second suite were 3.25% and 3.575% respectively.