What is the interest rate of second-hand housing mortgage?
Second-hand housing mortgage interest rate: 0-6 months (including 6 months), annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate: 4.90%. The loan interest rate needs to be comprehensively priced according to the business type, credit status and guarantee method applied for, and can only be determined after being approved by the handling outlets.
What are the housing loan conditions?
1, personal credit loan
Personal credit loan conditions: must be at least 18 years old, have full capacity for civil conduct, be able to provide valid identification, have a good personal credit status and have a stable job and income.
2. Housing mortgage loan
Housing mortgage loan conditions: Housing mortgage loan not only has requirements for borrowers, but also has certain requirements for mortgaged houses. The property right of the mortgaged house must be clear, with real estate license and land use certificate, and not included in the local urban transformation plan.
3. College students' entrepreneurial loans
Conditions for college students to start a business loan: they must be at least 18 years old, have a fixed place of business, be able to provide business licenses for related industries, and use the loan in accordance with relevant national laws and bank credit policies.
4. Self-operated loans
Self-employed loan conditions: under 60 years old, with a fixed residence in the place where the loan bank is located, good credit record, stable operating conditions, stable income sources and the ability to repay the loan principal and interest.
5. Housing mortgage loan
Housing mortgage loan conditions: make sure that you are qualified to buy a house locally, have good credit, have a stable economic income and have the ability to repay the principal and interest of the loan. There are self-raised funds that account for more than 30% of the total price of the house purchased, and assets mortgage or pledge recognized by the loan bank.
Bian Xiao concluded: The above is about the interest rate of second-hand housing mortgage. I wonder if it will help you! The interest rate of second-hand housing mortgage is different according to the time, and the longer the time, the higher the interest rate.
What is the interest rate of second-hand housing loan?
The loan interest rates are unified by the state, with an annual interest rate of 5.94%. If it is the first set, the interest rate will be reduced by 15%. Monthly payment for 20 years 1656 yuan,1May payment 1983 yuan. You can choose for yourself. Whether it is a first-hand house or a second-hand house, the same interest rate standard is implemented.
At present, the basic annual interest rate of mortgage loans is:
6. 15% (loan term is more than five years)
6% (loan period is less than five years)
The bank will give corresponding preferential treatment according to the conditions of the loan applicant, and at present, the minimum discount can be 15%; If the credit rating is above Grade II, the interest rate will rise 10-30%. Different branches of the same bank will have different interest rates. At present, the first home loan is 5% lower than the benchmark, and some even go up by 5% or 2 sets, which is about 10%. Mortgage: Consumer products are rising 15% to 30%, and if it is a business product, it will rise by 30% to 40%. The end of the year is the bottleneck of loans, and the task of bank loans is almost completed, and the time will be slower. This is the current benchmark interest rate from June to June (including June) 6. 1 0% June-1 year (including1year) 6.56% 1-3 years (including 3 years) 6.65%3-5 years (including 5 years)
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What is the interest rate of second-hand housing loan?
At present, the loan interest rate of second-hand houses has different performances. If the applicant applies for a second-hand housing mortgage loan, and the applicant purchases the first suite with a loan, the down payment shall not be less than 30% of the socks draft. The interest rate of housing provident fund loans for more than five years decreased from 4.7% to 4.5%, and the interest rate of individual housing provident fund loans for less than five years (including five years) decreased from 4.2% to 4.0%; The annual interest rate of the memory loan is 5.6% for 6 months, 6.00% for 6 months to 1 year, 6. 1-3 years, 6.40% for 3-5 years and 6.55% for 5 years. The first purchase of a house can be reduced by 15% on the basis of the original benchmark interest rate of 5.94%. Individual banks can also get a 30% discount. Calculation of second-hand housing loan interest rate: the calculation formula of matching method: monthly repayment amount = (monthly interest rate ×( 1 interest rate) total contribution period /( 1 interest rate) total contribution period-1) × loan principal; The calculation formula of diminishing method is: monthly repayment amount = loan principal/total contributions (principal-accumulated repaid principal) × monthly interest rate.
The second-hand housing loan interest rate table and the latest version of Chongqing second-hand housing loan interest rate table 2022 came to an end. I wonder if you have found the information you need?