On New Year's Day, it was confirmed by many banks and real estate agents that the preferential interest rate of mortgage loans was tightening. Starting from 20 17 1, most banks in Beijing will implement the preferential policy of 10% discount on loan interest rate.

The agreement on the minimum mortgage interest rate of 10% has been formally implemented on New Year's Day.

If the commercial loan is 3 million yuan, the benchmark interest rate is 4.9%, and the mortgage is 30 years, and the repayment method of equal principal and interest is adopted, and the mortgage interest rate is 8.5 fold, the execution interest rate is 4 165%, and the monthly repayment is 14609 yuan, with a total repayment of 5.259 million yuan; When the mortgage interest rate is 10% off, the interest rate is 4.4 1%, and the monthly repayment is 1504 1 yuan, and the total repayment is 54 1.5 million yuan. That is to say, after the mortgage interest rate was raised from 15% to 10%, the monthly repayment amount of the 3 million yuan loan increased by 432 yuan, and the total repayment amount increased by 6.5438+0.56 million yuan.

(The above answers were published on 20 17-0 1-03. Please refer to the actual situation for the current purchase policy. )

Comprehensive and timely real estate information, click to view.