1. What is the floating interest rate of housing commercial loans?
1. The floating interest rate of housing commercial loans refers to the floating adjustment of housing loan prime rate according to the requirements of the People's Bank of China. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.
2. It is normal for the interest rate of housing commercial loans to rise. Because the bank loan interest rate is determined according to the comprehensive evaluation of credit situation, collateral and policies, the first suite is generally calculated according to the benchmark interest rate.
3. The interest rate of the first home loan is based on the benchmark interest rate. For five years or more, the interest rate of the second home loan rises by 10%, and the interest rate of the second home loan is higher than the interest rate of the first home loan.
4. The fluctuation of commercial housing loan interest rate means that the benchmark interest rate of the first home loan rises, which means that the mortgage interest increases, which is undoubtedly unfavorable to buyers, but the fluctuation of commercial housing loan interest rate can regulate the overheating of the real estate market.
Two, the comparison of housing commercial loan interest rate and provident fund interest rate
The difference between housing commercial loan interest rate and provident fund lies in the difference of loan interest rate. The specific interest rates of these two types of loans are as follows:
1, housing commercial loan interest rate
(1) Loans within six months (including six months): 4.85%
(2) Loans from six months to one year (including 1 year): 4.85%.
(3) Loans for one to three years (including three years): 5.25%.
(4) Loans for three to five years (including five years): 5.25%.
(5) Loans over five years: 5.40%
2. Interest rate of provident fund loans
(1) Less than five years (including five years): 3.00%
(2) More than five years, 3.50%
Summary: According to the five-year loan interest rate, 5.4%-3.5%= 1.9%, so the provident fund loan is less than the commercial loan by 1.9 percentage points, which is relatively cost-effective. According to national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans, and the excess can be used for housing commercial loans.
3. Which bank is the interest rate of commercial housing loan?
1 As the saying goes, "shop around", many friends will compare the chances of which bank to choose when choosing commercial housing loans, which can save a lot of money. According to netizens, it is a land loan from ICBC, with a monthly interest rate of 1.8%.
2. Among the five major banks, the loan interest rate of ICBC is relatively low. ICBC offers a 30% discount, 6-to 30-year loans with an annual interest rate of 4. 158% (sets).
3. Secondly, the renovation loan of CCB is also good, with a monthly interest rate of 3% and a daily interest rate of only one ten thousandth. At present, the interest rates of major banks can be found on Baidu. Bank loans are simply divided into credit loans and mortgage loans, and credit loans can also be subdivided into wage loans, policy loans and provident fund loans. Take Shenzhen as an example, there are at least thousands of bank loan products, and they are updated every day.
The above is about
What is the floating interest rate of housing commercial loan, the comparison between housing commercial loan interest rate and provident fund interest rate, and which bank is the relevant content of housing commercial loan interest rate, I hope to help everyone. Interested friends can also check it out.