Answer: For a 20-year loan of 260,000 yuan, the current benchmark interest rate is 6.55% per year, which is 20% higher than that of the four major banks: (1) equal repayment (equal principal and interest) 2 152. 15 yuan per month, with interest to be repaid in 20 years. (2) Declining (average capital) The contribution in the first month of repayment is 2786.33 yuan, and then decreasing month by month. The 20-year interest * * * is 20521.71yuan. It is suggested to adopt the method of decreasing repayment, which can save a lot of interest.
Second, why is the mortgage interest rate lowered? Why didn't the commercial housing loan of Postal Savings Bank drop?
Banks or CreditEase will generally adjust the interest rate of long-term loans, but not immediately. The adjustment range should be determined according to the nature of loans (commercial loans or provident fund loans), loan banks and customs contract samples.
After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage); Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day.
3. Has the interest rate of Wenzhou postal mortgage dropped?
It fell down. Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. Wenzhou postal interest rate has dropped. The housing loan interest rate of Postal Savings Bank is 5.6% for loans within 6 months (including 6 months) and 6% for loans from 6 months to 1 year (including 1 year).
4. Has the interest rate of post bank mortgage been lowered?
The basis point of the Postal Savings Bank only rose by 60BP, down by 50 basis points from last month. At present, the overall decline in mortgage interest rates of major banks in Nanjing is very obvious, and many prime banks have recently started to raise their loan interest rates. At present, the interest rate of the first loan in the market is around 5.7%, the mainstream interest rate of the second suite is 6. 1%, and the interest rates of many banks have also dropped significantly. According to the data, China, Agriculture, Construction, HSBC and Postal Savings all lowered the interest rate of the first home loan 10-50BP.