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House price trend

CCB Loan Interest Rate Table 202 1 Latest Interest Rate (CCB Loan Interest Rate Table 202 1 Latest Interest Rate Calculation)

Property market network _ 202265438+February 9 08:23:59_ House price trend _ Read 335

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Speaking of the interest rate in the latest version of the 202 1 CCB loan interest rate table, some people will definitely ask the calculation method of the 202 1 CCB loan interest rate table, and some people will ask why the 202 1 CCB loan interest rate table is calculated in this way. China Construction Bank 202 1 The latest version of the loan interest rate table calculates the interest rate in detail. The main reason may be that we already have the answer. Let's take a look at the interest rate in the latest version of 202 1 CCB loan interest rate table. I hope the articles compiled by Bian Xiao can help everyone. !

1.URV CCB loan interest rate

The loan interest rate is 4.35%. The personal loan interest rate of China Construction Bank is based on the latest benchmark interest rate published by the People's Bank of China, and is calculated in a certain proportion according to different situations.

At present, the latest benchmark interest rate of China People's Bank is: the short-term loan interest rate of China Construction Bank (within 6 months, including 6 months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%.

The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

2. Zhouzhi CCB mortgage interest rate

CCB's loan interest rate table is formulated with reference to the benchmark interest rate stipulated by the central bank, and the actual loan interest rate may be raised.

Loans are divided into: provident fund loans, short-term loans and medium and long-term loans. The loan interest rate of CCB 202 1 is as follows: 1, and the short-term loan is 4.35% for one year (within one year).

2. Medium and long-term loans: 1-5 years (including 5 years) 4.75%. 3. More than five years: 4.9%. 4 individual housing provident fund loans for less than 5 years (including 5 years) 2.75%, more than 5 years 3.25%.

5. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.

3. CCB mortgage interest rate

The first suite in loan prime rate is 4.65%, BP is raised to 1.08%, and the administrative loan interest rate is 5.73%.

The interest rate of the second-attribute basic loan is 4.65%, BP is raised to 1.38%, and the interest rate of the administrative loan is 6.03%.

Matters needing attention in housing loan 1. When making a loan, you must first understand the repayment method of the bank and make a choice according to the actual situation.

At present, there are mainly two kinds of equal principal and interest and average capital. The former has a lower interest rate, but the monthly supply is higher, and the economic pressure on buyers is greater. The latter method has a higher interest rate, but the monthly repayment pressure of buyers is less. Secondly, if you choose a provident fund loan, it is best not to withdraw money from your personal account before preparing your application.

When there is no balance in the account, it means that the provident fund has no loan amount and cannot apply for a mortgage. Because you can't apply for early repayment after paying off the mortgage for one year, you can't repay the loan in advance in the first year. Pay.

However, this kind of loan must pay the provident fund for 13 times in a row to qualify.

Third, before buying a house, we must first increase the down payment. According to the real estate related policies, the down payment for the first suite is not less than 30% of the total house price, and the down payment for the second suite is not less than 30% of the total house price. 40%。

At the same time, you need to consider the loan interest rate, that is, prepare more money. The fourth is to require the unit to issue a good income certificate. This material is needed to go to the bank for loan business. It is best for buyers to earn twice as much as their mortgage, which makes it easier to pass the mortgage review.

At the same time, you also need to keep all payment invoices, such as down payment, loans and other invoices. These invoices are needed to handle property rights.

After the mortgage is paid off, the buyer remembers to go to the bank to apply for cancellation of the mortgage. At that time, the staff will issue relevant certification materials, and then go directly to the counter of the relevant real estate department to handle the house cancellation procedures. Mortgage loan.

Four. The latest announcement of CCB's mortgage interest rate in 2022

1. CCB housing loan interest rate 1, personal housing provident fund loans within 5 years (including 5 years) 2.75% and over 5 years 3.25%2, commercial housing loan interest rates within 5 years (including 5 years) 4.75% and over 5 years 4.90%2. Personal housing loan applicant qualification 1, legal occupation and stable income source, and ability to repay on time. 2. No illegal acts or bad credit records; 3. You can provide effective pledge guarantee recognized by the bank, or you can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability; 4. Open a bank personal settlement account and agree to deduct the loan principal and interest from the personal settlement account designated by the bank; 5. Other conditions stipulated by the bank.

The above is the latest version of CCB loan interest rate table 202 1 interest rate and the latest version of CCB loan interest rate table 202 1 interest rate calculation. The above articles are all from the Internet. The latest version of CCB loan interest rate table 202 1 annual interest rate calculation is helpful to everyone.

How much is the loan interest of China Construction Bank?

1. The loan interest rate of China Construction Bank is determined according to the lender's situation with reference to the RMB loan benchmark interest rate. The general interest rate will go up 10%-30%.

2. According to the latest deposit and loan regulations of the central bank, the interest rate standard of CCB loans is: 4.35% within one year (including one year), 4.75% within one to five years (including five years) and 4.90% over five years; The interest rate of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years. .

3. China Construction Bank loan conditions: First, there must be a fixed income, depending on the salary details; 2. At least 18-50 years old, before 65 years old; Three, if the loan is used for business or car purchase, there must be a guarantor and mortgagor; Four, no bad credit record, the monthly payment is not higher than 50% of the family wage income. The specific conditions will be appropriately adjusted according to the types of loans.