1, the difference between the benchmark mortgage interest rate and the real mortgage interest rate. First, the benchmark interest rate of mortgage: We know that the benchmark interest rate of mortgage is the benchmark interest rate of loans for five years and above stipulated by the central bank, which is applicable to all industries and all commercial banks. In the field of mortgage, we call it "benchmark mortgage interest rate". The current benchmark mortgage interest rate is 4.9%, and this mortgage interest rate was 2065438+65438+ in 2005.
Second, the real interest rate of mortgage is based on the benchmark interest rate of mortgage when banks issue mortgages to buyers. Generally, the relationship between them is as follows: the real mortgage interest rate = the benchmark mortgage interest rate (1 floating ratio); Generally, the floating ratio is around 5%. We often hear that the mortgage interest rate goes up 10% or 20%, which can go up or down. At present, the average interest rate of the first home mortgage in China is about 5.5 1%, which is about 12%, because this is the national average level, and it is generally an integer multiple of 5% in personal practice.
In mortgage, floating interest rate is generally used (fixed interest rate is relatively rare). Interest rate fluctuation means that the floating ratio will not change, but the "mortgage benchmark interest rate" can change, which means that the central bank will lower the mortgage benchmark interest rate in the future, and the real interest rate of your mortgage will also decrease. The bank's daily mortgage interest rate is lowered, which has nothing to do with people who already have mortgages.
2. The new calculation method of mortgage interest rate is about the buyers who signed the mortgage contract before June 8, 20 19, but the calculation method of mortgage interest rate has changed since June 8, 20 10. Now the real mortgage interest rate is like this: the real mortgage interest rate =LPR+ point, LPR is called the loan market quotation, which is updated once a month. Divided into 1 year and 5 years, the latest 1 year LPR in1month and 5 years LPR are 4.2% and 4.85% respectively.
The real interest rate of mortgage is based on this plus a certain number of points, and the final mortgage interest rate is basically the same as before, with little fluctuation. Then,10 If the mortgage contract is signed after June 8, you can choose floating interest rate. In this way, the shortest term is 1 year, which is updated once a year, which means that the mortgage interest rate can be adjusted once a year and recalculated according to the latest LPR. However, the "bonus" value will not change. It was confirmed from the beginning.