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%.

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.

Second, the latest commercial loan interest rate

Annual interest rate of various projects% 1. Short-term loans for six months (inclusive) 6. 10 Six months to one year (inclusive) 6.56. Medium-and long-term loans for one to three years (inclusive) 6.65 Three to five years (inclusive) 6.90 More than five years 7.05. 3. Discount is determined by adding the discount rate as the lower limit.

3. What is the current commercial loan interest rate in Chengdu?

1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year); 2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years; 3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years. The above is the interest rate of commercial loans in 2022. Can I borrow from other banks after the loan? After the loan, you can still borrow from other banks, but the success of the loan depends on the regulations of the bank and the personal qualifications of the users. If the previous loan is not overdue, the success rate of users applying for loans in other banks will be much higher. If it is overdue, other banks will reject the user's loan application. Whether it can be refinanced depends on users' repayment ability, cash flow, assets and liabilities, as well as products and market conditions. Users can apply for loans if they have rich personal assets, strong repayment ability and no problem with their reputation. I recommend you to go to Lv Qing, a small WeChat program. Green donkey consultants provide free pre-loan consulting services. It doesn't cost money anyway. It is always good to ask more questions.

Fourth, the latest news of Chengdu mortgage interest rate 2022

I. Mortgage interest

Mortgage is generally 20 years and 30 years, and there are few short-term loans. Do not consider. At present, there are no ups and downs in the provident fund with a term of more than five years. The benchmark interest rate of commercial mortgage loan is 4.9%, and there will be first and second suites. The real estate market interest rate in each city is also different. If it is the first suite and it is a hot area, the net interest rate will rise 10% to 20%.

Second, the average capital calculation formula

Monthly repayment = monthly principal, monthly principal and interest

Monthly principal = principal/repayment

Monthly principal and interest = (principal-total accumulated repayment)

Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.