1, the loan term is 1 to 5 years, including 5 years, and the interest rate of the first home loan is generally between 4.75% and 6.7 15%;
2. The interest rate of the first home loan with a loan term of more than 5 years is generally between 4.9% and 6.37%.
The above is the approximate range of the first home loan interest rate in 20 19. If the central bank does not adjust the benchmark loan interest rate, the interest rate range should not change much. In the actual loan process, commercial banks will determine the specific loan interest rate by combining various factors.
The change of mortgage interest rate will affect every buyer's heart. At present, the state's regulation policy on the property market has been very strict, and the mortgage interest rate is often in a floating state. What is the mortgage interest rate of 20 19?
1, and the short-term loan interest rate within one year (inclusive) is 4.35%; The medium-term loan interest rate from one year to five years (inclusive) is 4.75%; The interest rate of long-term loans over five years is 4.9%. Under normal circumstances, mortgage loans are long-term loans for more than five years, so the increase of *% is always based on 4.9%.
2. The mortgage interest rate rises by 5%, which means that you applied for a mortgage in this bank. The mortgage interest rate is 4.9% × (1+5%) = 5.145%; The floating mortgage interest rate 10% means that you apply for a mortgage in this bank, and the mortgage interest rate is 4.9% × (1+10%) = 5.39%; The mortgage interest rate is 20%, which means you apply for a mortgage in this bank. The mortgage interest rate is 4.9% × 80% = 3.92%.
3. Interest = principal * mortgage interest rate * loan term. Therefore, under the same conditions, we can find that bank loans with discounted mortgage interest rates are more cost-effective. The lower the discount, the less interest.
What's the latest news about the 20 19 mortgage interest rate?
1. From the trend of mortgage interest rate, it is more likely that the interest rate of 20 19 will be adjusted back. From the perspective of market liquidity, the central bank has reduced RRR five times since 20 18, and the current market liquidity is in a reasonable and abundant state, which is conducive to the expansion of credit scale.
2. From the risk point of view, individual housing loans are relatively less risky assets, and banks are relatively willing to increase the credit scale in this area. However, because the liquidity of the central bank is intended to transfuse blood to private enterprises and small and micro enterprises, the financial supervision of real estate has not been liberalized, so the bank's inclination to real estate is limited.
3. Due to the purification of the housing market environment and the favorable liquidity of funds, the interests of the just-needed groups need to be guaranteed, but there are still differences between first-tier cities and second-tier cities. Generally speaking, the interest rate of first-tier cities is lower than that of second-tier cities, which is mainly affected by the economic situation of cities, the number of banks, the volume and the business volume. But from the current point of view, even in first-tier cities, interest rates cannot fall back to preferential discount levels in a short period of time.
What's the latest news about the current mortgage interest rates of 20 19 and 20 19? I'm here to explain to you, hoping to help you. It is not difficult to see that the current mortgage interest rate is relatively high, and many house slaves are under pressure. However, from the current situation, there may be a certain correction in the future mortgage interest rate.