What is the mortgage interest rate in 2023? Originally shared on 2023-01-13 11:22:29 Copy the full text and download the full text. There are still many people who plan to buy a house in 2023. Now most people who buy a house through Buying a house with a loan, so the interest rate is an aspect that everyone is very concerned about. The editor below has sorted out for you what the mortgage interest rate will be in 2023. I hope you like it! What is the mortgage interest rate for a house purchase in 2023? Currently, the benchmark interest rate for commercial loans is 4.90%, and the loan period is More than 5 years. Affected by the purchase and loan restriction policy, local banks have different adjustments to first-home loan interest rates. The national average interest rate for first-time buyers is 5.38%, and interest rates have generally increased by 5%-20%. Second home loan interest rates generally rise by 10%-30%. During the same period, the benchmark interest rate for provident fund loans was 3.25%, and interest rates for second home loans generally increased by 10%. The number of mortgage loans for the second home is determined based on the borrower's family (including the borrower, spouse, and minor children). Families that use provident fund loans or commercial loans to purchase a house and apply for a mortgage loan again are regarded as second homes. It is not certain whether the interest rate for buying a house will rise in 2023. It is really heartbreaking for ordinary people who buy houses in the first half of 2021. Not only are housing prices at the highest peak in history, but interest rates are also at their peak. In the peak period of the past 10 years, mortgage interest rates in first-tier cities and core first-tier cities are still relatively good. The acceptable range is around 5.58%. Mortgage interest rates in second-tier and later cities are basically close to 6%, and some cities have even reached 6.38%. Among them, Huizhou City has the highest interest rate for first-time buyers at 6.88%. Interest rates will be lowered again and again in 2022. In 2022, the first-time home interest rate in many cities across the country will be 4.1%. In addition, in the latest policy, cities with new transaction volumes and transaction prices declining year-on-year from June to August can adjust themselves. Interest rates, such as Qingyuan's first-time home interest rate is 3.7%. In some cities, the first-time home purchase interest rate has been lowered to 3.6%, which is a record low interest rate. At this time, some people went crazy and said that 2022 will be the year with the lowest interest rate, and 2023 Interest rates will return to 4.7%~4.9%.

1. The current 5-year LPR interest rate is still 4.3%

2. The 4.1% rate will not be implemented next year because the commercial bonus point in 2022 is -0.2, and the commercial bonus point in 2022 will be recalculated (The specifics are still unclear)

3. Next year’s interest rate will not rise to 4.7%~4.9%. The RRR cut will begin on December 5, 2022 by 0.25%. This year’s RRR cut will be followed by 20%. The interest rate has already been lowered by 0.15%. By the end of 2022, our mortgage interest rate is expected to fall below 4%. The current forecast should be 3.95%.

4. The economic growth rate is expected to increase to 5% in 2023, but the general environment is sluggish and funds are still needed to be active in the market, so interest rates will not rise significantly in a short period of time. And in order to encourage everyone to promote market funds, interest rates will go further down. Will the government provide subsidies for buying a house in 2023? There are three main sources of housing subsidies: first, the housing construction funds allocated by the state; second, the unit's housing sales funds; and third, the funds raised by the unit through various channels. The basic forms of housing subsidies include: one-time housing subsidy, basic subsidy plus one-time subsidy, and monthly subsidy.

1. The one-time subsidy method is mainly aimed at old employees who do not own a house and is paid in one go when the employee purchases a house.

2. In the form of basic subsidy plus one-time subsidy, the basic subsidy will be gradually distributed according to the housing area standards for general employees. The difference caused by the difference between the housing subsidy area standards for cadres at all levels and general employees will be paid once when purchasing a house. Sexual release.

3. The monthly subsidy method is mainly for new employees. Within the housing subsidy payment period, it will be paid on a monthly basis;

Legal basis:

"Special Project" The Interim Measures for Additional Deductions stipulates that if a taxpayer or his or her spouse uses a commercial bank or housing provident fund personal housing loan alone or jointly to purchase a home in China for himself or his spouse, the interest expense on the first home loan incurred will not be paid until the loan is actually incurred. Interest is deducted at a standard fixed amount of RMB 1,000 per month in each year, and the deduction period shall not exceed 240 months.