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I am buying my first home. Why is the loan interest rate 7.75%? I think the standard interest rate is 7.05%. Now that the interest rate has been adjusted, what is my mortgage interest rate?

You bought it in February this year. At that time, it was 1.1 times 7.05%, and 7.755% was considered normal.

Loan principal: 160,000 yuan

Loan period: 15 years (180 months)

Calculated based on commercial loans, equal principal and interest

Annual interest rate: 7.755% (1.1 times of 7.05%), (monthly interest rate 6.4625‰)

Monthly payment: 1,506.5 yuan

Total interest: 111,169.91 yuan

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