1.The latest news of mortgage interest rate in Chengdu in 2022.
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In 2022, the mortgage interest rate of Chengdu Bank fluctuated on the benchmark interest rate issued by the central bank. The benchmark interest rate is as follows: the benchmark interest rate for commercial loans is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years. The benchmark interest rate for individual housing provident fund loans is 2.75% for less than 5 years (including 5 years) and 3.25% for more than 5 years.
What is the current mortgage interest rate in Chengdu?
In 2023, the interest rate of the first home loan in Chengdu was 4. 1%-4.45%. The Central Bank of China announced that the interest rate of the first housing provident fund loan will be lowered by 0. 15 percentage points from 10 in 2022, and the interest rate of the first housing loan in Chengdu will be 4. 1% in 2023. The Bank of China announced that the interest rate of the first housing provident fund loan will be lowered by 0. 10 by 5 percentage points from June, 2022. At present, the interest rate of provident fund loans for more than five years is 3. 1% for the first time and 3.575% for the second time.
The latest mortgage interest rate in Chengdu
5.79%,6. 13%。 According to the information of Chengdu Housing Provident Fund Management Center, in March 2023, the interest rate of the first home loan in Chengdu was 5.79%, and the interest rate of the second home loan was 6. 13%.
Chengdu mortgage interest rate
Hello, the mortgage interest rate in Chengdu is generally determined according to the loan interest rate of local banks. Generally speaking, the loan interest rate of Chengdu Bank is 5.5%-7.5%. The specific interest rate can be determined according to your credit status and loan amount. In addition, you can also compare the loan interest rates of different banks online, so as to choose the most suitable loan interest rate.
What is the mortgage interest rate in Chengdu?
It is common to buy a house through a loan. A modern house is worth millions of yuan. For ordinary wage earners, it is not easy to easily take out the money to buy a house, and the down payment for getting a house is often very powerful. Buying a house through a loan naturally pays attention to the interest rate of the loan, and the interest rate of the mortgage will determine the monthly payment. The mortgage interest rate in each city may be different, so what is the mortgage interest rate in Chengdu? People who want to buy a house in Chengdu should understand.
Chengdu mortgage interest rate
Among the 14 commercial banks that provide mortgage business in Rongcheng, the number of preferential interest rates has risen to 100%. Moreover, there has also been a new breakthrough in the intensity of mortgage concessions, led by Bank of Communications, and the interest rate reached 4. 17% for the first time.
Calculation method of mortgage interest rate
1, calculation method of equal principal and interest
From the monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment will decrease with the decrease of residual principal, and the proportion of principal in monthly payment will increase with the increase, but the total monthly payment will remain unchanged.
2. Calculation method of average capital
Monthly repayment = monthly principal, monthly principal and interest.
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.
What kinds of mortgage loans are there?
1, housing provident fund loan
For residents who have participated in the housing provident fund deposit, loans to buy a house and low-interest loans for housing provident fund should be the first choice. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
2. Personal housing commercial loans
People who have not paid the housing provident fund have no chance to apply for loans. They can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans. As long as the balance of your deposit in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or the unit or individual with sufficient compensatory ability is used as the guarantor to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.
3. Individual housing portfolio loans
The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
What is the mortgage interest rate in Chengdu? The mortgage interest rate is not fixed, but it will be different according to the adjustment of the bank, so if it is for housing, you can learn more about the mortgage interest rate. If you want to borrow money to buy a house, you'd better choose the right loan method. Housing provident fund loan interest rate is relatively low. If you can apply for housing provident fund loans, you must spend more time and energy to apply. If you buy a house through a housing provident fund loan, the monthly supply will be greatly reduced in the future.
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So much for the introduction of mortgage interest rate.