The loan interest rate of the central bank is only the benchmark for commercial loans. In practice, the loan interest rate will fluctuate, and there may be differences between different banks or even different outlets of the same bank. Loans are divided into short-term loans, long-term loans and provident fund loans. Take the central bank as an example:
1, short-term loan. The six-month (inclusive) loan interest rate is 4.35%; The loan interest rate for half a year to one year (including house payment) is 4.35%.
2. Medium and long-term loans. The loan interest rate for one to three years (including three years) is 4.75%; The loan interest rate is 4.75% for three to five years (including five years); The interest rate for loans over five years is 4.9%.
3. Provident fund loans. The loan interest rate for less than five years (including five years) is 2.75%; The interest rate for loans over five years is 3.25%. 6 years 4.9% 330,000 yuan = 97,020 yuan interest.
2.20 15 what is the interest rate of commercial housing loan?
Hello, commercial loan, the benchmark interest rate is 7.05%, and the first suite is 15% off. The second set of interest rate rises 10%. The mortgage interest rate rises, and how much it rises depends on your situation. I hope to adopt. thank you
Three. List of housing commercial loan interest rates for 20 15 years
The loan interest rate is one of the important factors that people need to consider when buying a house. The loan interest rate directly affects the total repayment amount and monthly payment. If the loan interest rate is too high, the repayment amount will be too large, which will directly affect the future living standards of buyers. Therefore, when buying a house with a loan, buyers want to enjoy preferential loans. Next, we will know the benchmark interest rate of commercial bank loans and the interest rate standard when buying the first suite and the second suite.
After the interest rate cut in May 2065438 1 1 day, the loan interest rate of commercial banks changed as follows:
First home loan interest rate
Different banks in different cities have different interest rates on the first home loan, including the benchmark interest rate 1. 1 multiple, benchmark interest rate, benchmark interest rate 15%, benchmark interest rate 10% and benchmark interest rate 15%. The bank implements the benchmark interest rate of the first set of loans and the benchmark interest rate is 15% off. A 15% discount on the benchmark interest rate requires higher qualifications for lenders. For people with poor credit conditions, the loan interest rate will rise by 5% to 10% according to the benchmark interest rate standard.
Two sets of housing loan interest rates
The interest rates of second-home loans in different cities and banks are different, and it is more common for the benchmark interest rate to rise by 1. 1 times. Some banks will offer preferential mortgage interest rates to qualified customers. Next, taking Tianjin as an example, this paper introduces the criteria for determining the 10% discount on mortgage interest rate:
A 10% discount on mortgage interest rate needs to meet the following conditions:
1, the provident fund is paid continuously, and the monthly deposit amount is more than 2,000 yuan.
2. Can provide proof of fixed income and running water.
3. There is no bad record in credit investigation.
4. Have a local account.
5. Other conditions
Remarks: the identification standard refers to unmarried buyers, that is, individuals, and married buyers refer to both husband and wife.
(The above answers were published on 2015-06-11. At present, the relevant purchase policy should be based on the actual situation. )
Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.
Four. List of housing commercial loan interest rates for 20 15 years
The loan interest rate is one of the important factors that people need to consider when buying a house. The loan interest rate directly affects the living standard of the repayment amount caused by the high total repayment rate. Therefore, when buying a house with a loan, buyers want to enjoy preferential loans. The benchmark interest rate of commercial bank loans and the interest rate standard when buying the first suite and the second suite.
After the interest rate cut in May 2065438 1 1 day, the loan interest rate of commercial banks changed as follows:
First home loan interest rate
Different banks in different cities have different interest rates for the first home loan, including 15% off the benchmark interest rate, 10% off the benchmark interest rate, 15% off the benchmark interest rate for the first home loan and 15% off the benchmark interest rate. A 15% discount on the benchmark interest rate requires higher qualifications for lenders. For people with poor credit conditions, the loan interest rate will rise by 5% to 10% according to the benchmark interest rate standard.
Two sets of housing loan interest rates
The interest rates of second-home loans in different cities and banks are different, and it is more common for the benchmark interest rate to rise by 1. 1 times. The preferential interest rates of some banks have dropped. Next, take Tianjin as an example to introduce a 10% discount on mortgage interest rate.
A 10% discount on mortgage interest rate needs to meet the following conditions:
1. The provident fund is paid continuously, and the monthly contribution is 200 yuan.
2. Can provide proof of fixed income.
3. There is no bad record in credit investigation.
4. Have a local account.
5. Other conditions
Remarks: the identification standard refers to unmarried buyers, that is, individuals, and married buyers refer to both husband and wife.
(The above answers were published on 2015-06-11. At present, the relevant purchase policy should be based on the actual situation. )
Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.