1. China Postal Savings Bank Mortgage Interest Rate

Legal subjectivity: Mortgage interest rate refers to a loan with a bank using real estate, and the interest on the loan must be paid according to the interest rate specified by the bank. China's mortgage interest rates are uniformly stipulated by the People's Bank of China, and each commercial bank can float within a certain range when implementing it. Different banks have different floating ratios, and the same bank in different regions has different floating ratios, so the specific interest rate is subject to the actual interest rate stipulated by the bank. Since the central bank cut interest rates in October 2015, the current benchmark interest rates implemented by banks are: 4.35% for loans of less than one year (including one year); 4.75% for loans from one to five years (including five years); and 4.75% for loans of more than five years. 4.90%. In 2018, banks will also implement this benchmark interest rate. The current benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the impact of the purchase and loan restriction policy, banks in various regions have different adjustments to the interest rates for first-time home loans. The latest data shows that the average interest rate for first-time home loans nationwide is 5.38%, and interest rates have generally risen by 5 %-20%. The interest rates for second-home loans generally rise by 10%-30%. During the same period, the benchmark interest rate for provident fund loans was 3.25%, and the interest rates for second home loans generally increased by 10%.

Legal objectivity: "Notice of the People's Bank of China and China Banking Regulatory Commission on Strengthening Commercial Real Estate Credit Management" Article 3 Commercial banks should remind borrowers to follow the principle of honesty and trustworthiness in the housing loan contract Fill in the relevant information of which house the loan is used to purchase truthfully. For the purchase of the first self-owned house with a building area of ??less than 90 square meters, the loan down payment ratio (including this loan, the same below) shall not be less than 20%; for the purchase of the first self-owned house with a building area of ??90 square meters For those who have used a loan to purchase a house and are applying to purchase a second (inclusive) house or more, the down payment ratio of the loan must not be less than 40%, and the loan interest rate must not be lower than that in China 1.1 times the benchmark interest rate of the same grade announced by the People's Bank of China for the same period, and the loan down payment ratio and interest rate should increase significantly as the number of units increases. The specific increase rate is determined independently by commercial banks based on relevant principles of loan risk management, but the borrower repays the housing The monthly loan payment shall not be higher than 50% of the monthly income.

2. How much will the Postal Savings Bank’s first-time home interest rate increase?

The first-time commercial loan interest rate of Postal Savings Bank of China will be raised by 10% to 15% above the benchmark interest rate. The rising standards of different branches are not exactly the same. The provident fund first home loan interest rate is generally based on the benchmark interest rate for the same period.

3. What is the first home loan interest rate of Postal Savings Bank?

Hello, the following is the latest loan interest rate of Postal Savings Bank (effective from October 24, 2015)

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One year 4.35

One to five years 4.75

More than five years 4.90

Provide fund loan

Below five years ( Five years included) 2.75

More than five years 3.25

4. Xiangtan County Postal Bank loan interest rate: The basic interest rate increased by 74%. Is this interest rate high for a first-time home?

The interest rate is high.

Postal Bank’s first home loan interest rate will float on the central bank’s benchmark loan interest rate. Generally, commercial loans will rise to 1074, which is much more than 10%, so this interest rate is very high. China Postal Savings can be traced back to business and has a history of a hundred years.

In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company. 201 strategic investors. In September 2016, it was listed on the Hong Kong Stock Exchange.

In December 2019, it was listed on the Shanghai Stock Exchange to start a three-step process of listing in A and H. In February of the same year, it ranked 17th in the list of "Top 500 Global Bank Brand Values" in 2022. .