It is related to the implementation of interest rates. The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times the benchmark interest rate. Adjust from 20 12 to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. 15% discount for more than five years, the interest rate is 6.55%, 0.85 = 5.56, which has been tightened due to the shortage of credit funds. After the Chinese New Year, the interest rate may be set at 15%- 15%. According to the benchmark interest rate, the monthly interest rate is 6.55%/ 1230008 (96 months), and the monthly repayment amount is 3000006.55%/12 (16.55%/12) 96/[
2. What is the loan interest rate for commercial and residential buildings? The loan is 300,000 yuan and the repayment period is 8 years. How much is the monthly repayment?
The latest benchmark interest rate for bank loans: the annual interest rate for loans from 0 to June (including June) is 4.35%, the annual interest rate for loans from 6- 1 year (including 1 year) is 4.35%, and the annual interest rate for loans from 1-3 years (including 3 years) is 4.75%. On this basis, there will be appropriate downward floating or upward floating.
3. What is the down payment ratio for commercial and residential buildings?
The minimum down payment for commercial and residential buildings is 50%, and the longest loan period is 10 year. The loan interest rate will generally rise by about 10% depending on the bank regulations. It should be noted that the purchase of commercial and residential buildings can only apply for commercial loans, not provident fund loans, because provident fund loans are aimed at ordinary housing, and commercial and residential buildings are not within the scope of loans.
43,000 8-year loan with a monthly payment of 3,997. What is the first annual interest rate?
The annual interest rate is 3.4%. 3997 times 8 times 12 minus 300,000 to get the interest, then divide it by 300,000 and divide it by 8 to get the annual interest rate.