Usually, the average annual interest rate of Ping An's second loan in China is around 8% to 9%, but the specific business hall of Ping An Bank will be adjusted on the basis of the benchmark interest rate of the central bank, and the interest rate may also be adjusted according to the qualifications of the lender. Please consult the staff of local business halls for specific standards.
The benchmark interest rate of the central bank is as follows:
The annual interest rate of 1 and 1 is 4.35%.
2./kloc-the loan interest rate from 0 to 5 years is 4.75%.
The loan interest rate for more than 3.5 years is 4.90%.
2. What is the interest rate of the second home loan?
Now the latest national loan policy is that after the first home loan is paid off, when the second home loan is purchased, the loan interest rate will implement the benchmark interest rate of the first home loan!
I hope it helps!
Third, two kinds of mortgage interest rates
Subjectivity of law: there is no difference between the first mortgage and the second mortgage, and now the loan interest rate can go up10%-50%; The loan amount and personal assets will affect the bank's adjustment of loan ratio.
Legal Objectivity: Article 5 of the Regulations on the Administration of RMB Interest Rate The People's Bank of China sets and adjusts the following interest rates: (1) The deposit and loan interest rates and rediscount interest rates of the People's Bank of China to financial institutions; (2) The deposit and loan interest rates of financial institutions; (3) Preferential loan interest rate; (4) Default interest rate; (5) Interest rate of interbank deposits; (6) the fluctuation range of interest rates; (7) others. Article 6 Financial institutions shall determine the following interest rates in accordance with the relevant provisions of the People's Bank of China: (1) Floating interest rates; (2) interest rate of internal funds; (3) Interbank lending rate; (4) discount rate and discount rate; (5) Other interest rates allowed by the People's Bank of China. Provisions of the Supreme People's Government on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.