The bank's loan interest rate is 4.35% within one year (inclusive) and 4.9% for loans over five years. Mortgage interest rate is the default floating interest rate, that is, the interest rate calculated based on LPR and the basis point is the final mortgage interest rate. LPR will change. The interest rate of LPR in June 2020 165438+ 10 is 3.85% for one year; The five-year period is 4.65%.

Extended data:

Bank mortgage interest is generally calculated according to the benchmark interest rate of the central bank, and different banks have different floating standards; Take the mortgage interest rate of Shenzhen Commercial Bank as an example:

1. Bank of China, Industry, Agriculture, Construction, Zhao Zhao and Beijing: the interest rate of the first suite rises 10% (5.39% for five years or more), and the interest rate of the second suite rises 15% (5.635% for five years or more);

2. Bank of Communications: the interest rate of the first suite rises 15% (5.635% for more than five years), and that of the second suite rises by 20% (5.88% for more than five years);

3. Industrial Bank: the interest rate of the first suite rises 15% (5.635% for more than five years), and the interest rate of the second suite rises by 40% (6.86% for more than five years).

202 1 What are the mortgage interest rates of major banks?

The mortgage interest rates of major banks are floating on the basis of the national benchmark interest rate. The benchmark interest rate is 4.35% within one year, 4.75% within one to five years and 4.9% after five years.

The floating degree is as follows:

1. BOC: The first suite will rise by 20% based on the benchmark interest rate, and the second suite will rise by 20%.

2. ICBC: The first suite will rise by 20% based on the benchmark interest rate, and the second suite will rise by 20%.

3. Agricultural Bank: The first suite will rise by 15% based on the benchmark interest rate, and the second suite will rise by 20%.

4. Postal Savings Bank: The first suite rose by 20% based on the benchmark interest rate, and the second suite also rose by 20%.

5. CCB: The first suite will rise by 15% based on the benchmark interest rate, and the second suite will rise by 20%.

6. Bank of Communications: The first suite rose by 15% based on the benchmark interest rate, and the second suite rose by 20%.

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.