The commercial loan interest rate for buying a house is 6 months%. If the rate has exceeded one year, it is 4.75%. In fact, the annual interest rate of this commercial loan is calculated according to the term of the loan.

The interest rate of commercial loan for house purchase is 0-6 months (including 6 months), and the annual interest rate is 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced according to the factors you apply for, and can only be determined after being approved by the handling outlets.

Who will bear the liability for breach of contract depends on the contract:

(1) As stipulated in the contract, if the buyer fails to provide materials in time or the materials provided are incomplete or untrue, the developer has the right to terminate the contract and hold the buyer liable for breach of contract.

(2) As stipulated in the contract, if the bank mortgage loan cannot be performed and the purpose of the contract cannot be achieved due to the developer's failure to implement the mortgage bank and submit the mortgage loan materials in time, the buyer has the right to terminate the contract and may make demands on the developer.

(3) If the original loan amount of the bank is reduced or cannot be handled, it shall be decided by both buyers, either the buyers pay the purchase price within a certain period of time or the developer has the right to terminate the contract.

To sum up, the interest rate under commercial loans is different from that under provident fund loans, and the interest rate of provident fund loans is lower. But in reality, not everyone is satisfied with the way of buying a house with provident fund loans. Specific introduction of commercial loan for buying a house. At this time, it depends on the actual loan period. If the general loan term is longer, then the interest rate will naturally be higher.

In real life, perhaps for most young people, even some people who have worked for a long time, buying a house still needs outside help. Of course, such commercial loans also have annual interest rates.

Legal basis: Interest is stipulated in the Regulations on the Administration of RMB Interest Rate, and lending is not supported.

The interest agreement between natural persons is not clear, and if the lender advocates paying interest, the people will not support it. In addition to the loan between natural persons, if the borrower claims interest, the people should make an offer according to the local or the parties' trading methods, trading habits and market in combination with the contents of the private loan contract.

Article 26 If the lender requires the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the listed interest rate in the one-year loan market at the time of the establishment of the contract.

2.202 1 calculation of commercial loan for the first home?

Although LPR has not changed at present, it is also affected by other policy adjustments in the field of mortgage. At present, many banks have experienced the phenomenon of tight quotas or even suspension of loans, and the mortgage interest rate has also risen, which fully shows the power of the new regulations on centralized management of mortgages.

In 20021April, the average level of mortgage interest rate in 22 cities rose month-on-month, among which 10 cities rose more than 10 basis point month-on-month.

Among the first-tier cities, the mortgage interest rate in the north, Guangzhou and Shenzhen remained stable, and the mortgage interest rate in Guangzhou continued to increase. The interest rate of the first home loan is raised by 1 1 basis point, and the interest rate of the second home loan is raised by1basis point. Except for foreign banks, all banks implement mortgage interest rates of 5.3%-5.4% for the first home loan and 5.4%-5.5% for the second home loan.

Among the second-tier cities, according to the monitoring data of Rong360 Big Data Research Institute, the mortgage interest rate of 2 1 second-tier cities increased month-on-month, and the mortgage interest rate of the first home in 9 cities increased by more than 10 basis point month-on-month. Zhongshan, Huizhou and Dongguan ranked in the top three. Mortgage interest rates in Dalian and Harbin rose sharply during this period. At present, the average interest rate of the first home loan in Huizhou and Nanning has exceeded 6%, which are 6. 13% and 6.04% respectively.

The mortgage interest rate will increase. One is because the state controls the real estate market and regulates bank mortgage loans. The other is that the property market is still hot and the real estate market is active, so interest rates will also rise.

Of course, such news can be said to add a lot of burden to the buyers of the first suite, and the next trend depends on the specific regulation of the country.

In April, all parts of the country continued the previous intensive trend of real estate regulation and control, including Dongguan, Shanghai, Hefei, Hangzhou, Ningbo, Guangzhou and other cities, which successively introduced regulation and control measures to cool the property market by strictly restricting purchases, tightening the talent purchase policy, and raising the second down payment.

On April 8, the Ministry of Housing and Urban-Rural Development interviewed five cities, namely Guangzhou, Hefei, Ningbo, Dongguan and Nantong, demanding that the political position be effectively improved, and real estate should not be used as a short-term economic means to ensure the realization of the goals of stabilizing land prices, housing prices and expectations.

In the first quarter of 2002/KLOC-0, real estate control policies were frequent. For real estate, the core of 202 1 market trend still depends on the regulation of operating loans. The strong market will fall, and the weak market will rise.

3. What are the calculation methods of commercial mortgage?

What are the calculation methods of commercial mortgage?

1, average fund: monthly payment = (principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate; Total repayment amount = (repayment months 1)× loan amount× monthly interest rate /2 loan principal. 2. Matching principal and interest: total repayment amount = repayment months × loan amount ×( 1 interest rate) loan months /[( 1 interest rate) repayment months-1].

What should I pay attention to when buying a house with a loan?

I. Credit report inquiry

Before making a loan, buyers should first check their credit reports to confirm whether they can make a loan. Because of bad credit records, especially overdue credit cards, and a large number of bad records, even if other conditions meet the loan requirements, banks will refuse loans.

Second, understand the loan requirements

Before the loan, the applicant must first understand the loan requirements, and the loan requirements are different with different loan methods. For example, a provident fund loan requires the lender to pay a certain amount of provident fund on time, and the account is still in a normal payment state at the time of the loan. Therefore, property buyers should first understand the loan requirements before applying.

Third, prepare loan information.

When making a loan, it is best to prepare the materials in advance, so that the loan can be successfully completed and the loan time can be saved. Because different regions have different requirements for information, you can call the relevant departments or banks to ask for specific matters first.

Fourth, inquire about real estate information.

Buyers should pay attention to inquiring about real estate information, and need to fill in the "property owner", "registration case number" and "property right certificate number" accurately. In order to avoid buying a property that cannot be traded.

Verb (abbreviation for verb) considers the details of the contract.

Signing a loan contract is very important. Before signing a contract, you should read it carefully and understand its contents. If you have any opinions or don't understand, you should raise them in time to avoid trouble in the future.

Bian Xiao concluded: What are the above calculation methods of commercial mortgage? I hope it will help everyone! When making a loan, you must understand the calculation method of the loan. The loan method you choose is different, and the total loan amount and monthly payment are also different.

Fourthly, how to calculate the housing commercial loan?

The total house price minus the down payment is equal to the amount you need to borrow (261175-8175 =180,000 yuan). Monthly payment: 18 times 67.22 15 equals 1209.807 yuan. 67.22 15 yuan is based on 10000 yuan, which means that if you borrow 10000 yuan to pay off the monthly repayment including interest in 20 years, then you can borrow 1820000 yuan and multiply it by 20. If the interest rate drops, this base is/kloc. Please ask again if you don't understand.