The mortgage interest rate of Shanghai Bank in 2022 includes: 1, short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year).
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.
3. Provident fund loans: 2.75% for five years or less and 3.25% for more than five years.
Mortgage interest rate refers to the purchase loan handled by the bank, and the loan pays interest at the interest rate stipulated by the bank.
2022 Shanghai first loan interest rate
In 2022, the interest rate of the first home loan in Shanghai was 4.9%, including 4.75% for commercial loans and 4.9% for provident fund loans. In addition, according to the latest regulations of Shanghai Housing and Urban-Rural Development Committee, the minimum loan interest rate for Shanghai residents to purchase the first home is 4.9%, of which the minimum commercial loan interest rate is 4.75% and the minimum provident fund loan interest rate is 4.9%. In addition, the Shanghai Housing and Urban-Rural Development Committee also stipulates that the loan period for Shanghai residents to purchase the first home can be up to 30 years, including 25 years for commercial loans and 30 years for provident fund loans.
Shanghai mortgage interest rate
4.65% or 5.7%
The interest rate of 202 1 Shanghai mortgage is 4.65% or 5.7%, because the New Deal stipulates that the interest rate of the first home loan in Shanghai will be adjusted from the previous 4.65% to 5%, and the interest rate of the second home loan will be raised from 5.25% to 5.7%. The new regulations will be implemented on July 24th, 20021year.
1. Annual interest rate of commercial loans within one year: 4.350%.
2. Annual interest rate of commercial loans for one to five years: 4.750%.
3. The annual interest rate of commercial loans over five years: 4.900%.
4. Annual interest rate of provident fund loans for less than five years: 2.750%.
5. Annual interest rate of provident fund loans for more than five years: 3.250%. 4.65% or 5.7%
The interest rate of 202 1 Shanghai mortgage is 4.65% or 5.7%, because the New Deal stipulates that the interest rate of the first home loan in Shanghai will be adjusted from the previous 4.65% to 5%, and the interest rate of the second home loan will be raised from 5.25% to 5.7%. The new regulations will be implemented on July 24th, 20021year.
1. Annual interest rate of commercial loans within one year: 4.350%.
2. Annual interest rate of commercial loans for one to five years: 4.750%.
3. The annual interest rate of commercial loans over five years: 4.900%.
4. Annual interest rate of provident fund loans for less than five years: 2.750%.
5. Annual interest rate of provident fund loans for more than five years: 3.250%.
Shanghai mortgage interest rate in 2022
The mortgage interest rate in Shanghai in 2022 is as follows:
1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years;
3. Personal housing provident fund loan: the loan interest rate for five years or less is 2.75%, and the loan interest rate for five years or more is 3.25%.
Shanghai first home commercial loan interest rate 2022
From March 2020 1, the upper limit of commercial loan interest rate for the first home in Shanghai is 7.00%, the lower limit is 4.85%, and the upper limit of preferential interest rate is 30%, and the lower limit is 15%. According to relevant information, the upper limit of the interest rate of the first home commercial loan in Shanghai is 7.00%, and the lower limit is 4.85%. The interest rate in 2022 will change according to market changes.
So much for the introduction of commercial loan interest rate for house purchase in Shanghai.