At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.
What's the interest rate of the house loan?
There are two kinds of housing loans, commercial loans and personal provident fund loans. The interest rates are as follows:
1, the benchmark annual interest rate of commercial loans: 0-6 months (inclusive), and the annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;
2. Benchmark interest rate of personal provident fund loans: the benchmark interest rate of short-term loans for less than five years (including five years) is 2.75%; The benchmark interest rate for long-term loans over five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.
The process of buying a house with a loan
1, to understand the credit situation.
First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.
Step 2 know the bank
Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.
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What is the current interest rate for housing loans?
Will the benchmark mortgage interest rate fall in 2022?
The benchmark mortgage interest rate may fall in 2022. In 2022 1 October 20th, the loan market quoted interest rate (LPR) was:1year LPR was 3.7%, and the LPR over five years was 4.6%. Among them, the LPR linked to mortgages for more than 5 years was lowered by 5 basis points this time.
As the benchmark anchor of mortgage interest rate, the decline of LPR in the past five years means the reduction of residential housing mortgage loan cost.
65438+20221October, 103, the interest rate of the mainstream first home loan in the city was 5.56%, and the interest rate of the second home loan was 5.84%, both down by 8 basis points from last month; The average lending period this month is 50 days, 7 days shorter than last month.
Lpr is the quoted interest rate in the loan market. There are two terms: 1 year and more than 5 years. The main difference between the two is that the time is different and the pricing interest rate is different, but the nature is the same.
The Lpr interest rate for five years or longer is usually higher than the one-year interest rate. The loan interest rates within 1 year and 1 year to 5 years can be set by the lending bank. One-year lpr will be applicable to general loans within five years; For loans of more than five years, lpr of more than five years is applicable.
Because the term of mortgage is often twenty or thirty years, the mortgage interest rate is basically five-year lpr. Of course, lpr is only a pricing benchmark, and the mortgage interest rate is formed by adding points on the basis of lpr, so the mortgage interest rate depends on adding points. For example, the mortgage interest rate in a certain place is lpr plus 60 basis points, and the customer has handled a mortgage. In the month of signing the contract, the lpr is 4.75%, and the mortgage interest rate is 4.75%0.6% (one basis point is equal to 0.0 1%).
What is the interest rate of housing loan now?
The interest rate of buying a house is basically around 4.35% to 4.9%, but this is not absolute. First of all, developers may also have related business with banks. Secondly, in different banks, the loan interest rate is determined according to the repayment time of the lender. The longer the repayment time, the higher the loan interest rate, subject to the actual situation. But relatively speaking, the monthly payment will be less.
Will the benchmark mortgage interest rate fall in 2022?
The benchmark mortgage interest rate may fall in 2022. In 2022 1 October 20th, the loan market quoted interest rate (LPR) was:1year LPR was 3.7%, and the LPR over five years was 4.6%. Among them, the LPR linked to mortgages for more than 5 years was lowered by 5 basis points this time.
As the benchmark anchor of mortgage interest rate, the decline of LPR in the past five years means the reduction of residential housing mortgage loan cost.
65438+20221October, 103, the interest rate of the mainstream first home loan in the city was 5.56%, and the interest rate of the second home loan was 5.84%, both down by 8 basis points from last month; The average lending period this month is 50 days, 7 days shorter than last month.
Lpr is the quoted interest rate in the loan market. There are two terms: 1 year and more than 5 years. The main difference between the two is that the time is different and the pricing interest rate is different, but the nature is the same.
What's the mortgage interest rate now?
The latest mortgage interest rate is based on the national benchmark interest rate, and the floating range is between 10%-20%. The national benchmark interest rates are as follows:
I. Commercial loans:
1. Within one year, the benchmark loan interest rate is 4.35%.
2. Within one to five years, the benchmark loan interest rate will be 4.75%.
3. For more than five years, the benchmark loan interest rate is 4.90%.
1. What is the current mortgage interest rate?
Up to now, the benchmark mortgage interest rate implemented by major banks is: loan 1-3 years, which is 4.75%; Loans for more than 5 years are 4.9%. Different banks can make appropriate adjustments according to the bank's own situation and the applicant's personal credit information. Mortgage interest rate refers to the use of real estate in bank loans, according to the provisions of the interest rate to pay interest. The mortgage interest rate in China is constantly changing, in the form of rising interest rates. So it often happens before and after raising interest rates.
Second, how to calculate the interest on the house loan now?
1. If you buy a house for the first time and use a commercial loan to buy a house, you can get a loan of 70% of the appraised house price for your family. If it is the first time to buy a house, if you use the provident fund loan to buy a house, you can borrow 80% of the appraised price of the house (within 90 square meters, 70% of the loan over 90 square meters).
2. The calculation method of down payment for house purchase is: down payment = total house payment-customer loan amount. Loan amount = contract price (market price) ×80% (the maximum loan amount can reach 80%).
3. According to the existing standards for the implementation of the first suite, the down payment ratio of commercial loans for new houses is 30%, the down payment ratio of provident fund loans for the first suite of 90 square meters and below shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90 square meters shall not be less than 30%.
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Second, provident fund loans:
1, annual interest rate of provident fund loans for less than five years: 2.75%.
2. Annual interest rate of provident fund loans for more than five years: 3.25%.
Article 13 Determination of loan interest rate: The lender shall determine the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.