There are two kinds of housing loans, commercial loans and personal provident fund loans. The interest rates are as follows:

1, the benchmark annual interest rate of commercial loans: 0-6 months (inclusive), and the annual interest rate: 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%;

2. Benchmark interest rate of personal provident fund loans: the benchmark interest rate of short-term loans for less than five years (including five years) is 2.75%; The benchmark interest rate for long-term loans over five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.

The process of buying a house with a loan

1, to understand the credit situation.

First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.

Step 2 know the bank

Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.

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How much is the mortgage interest?

The latest interest rates of bank loans are as follows:

1. Short-term loan: the loan interest rate within one year (including one year) is 4.35%.

2. Medium and long-term loans: the loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.90%.

3. Provident fund loan interest rate: the loan interest rate for less than five years (including five years) is 2.75%, and the loan interest rate for more than five years is 3.25%.

Extended data:

There are two ways to calculate the interest on housing loans.

1. Equal principal and interest:

The monthly repayment amount remains the same, but as the repayment time goes on, the proportion of interest becomes smaller and smaller, and the proportion of principal becomes larger and larger.

The calculation formula of monthly payment is: monthly repayment amount = loan principal × [monthly interest rate× (1interest rate) repayment months ]≤[( 1 interest rate) repayment months ]- 1.

Second, the average capital:

Matching principal repayment The principal returned every month remains unchanged, but the interest will be reduced.

The interest calculation formula is: monthly interest = (principal-accumulated repayment amount) monthly interest rate-principal/repayment months.

What's the mortgage interest rate?

Interest on mortgage loan of real estate license: 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55%.

Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed.

How much is the mortgage interest?

After applying for a housing loan from a bank, people usually have to pay a lot of interest. What people are more concerned about is how much interest they need to pay to repay the mortgage. Next, Bian Xiao will briefly introduce to you how much mortgage interest is generally.

1, the interest of mortgage is usually closely related to the bank loan interest rate. According to relevant national regulations, the loan term of our bank is within 1 year, and its loan interest rate is 4.35%; If our loan term is 1-5 years, then the interest rate of the mortgage is 4.75%; If our loan term exceeds 5 years, the interest rate is 4.9%. You can also choose a provident fund loan to buy a house, and its interest rate is usually lower than that of commercial loans. If the term of the provident fund loan is less than 5 years, the interest rate is 2.75%; The loan term is over 5 years and the interest rate is 3.25%.

2. Usually, the bank's mortgage interest rate will rise or fall according to the basic interest rate. Because of the influence of the 20 18 property market regulation policy, the mortgage interest rates of banks all over the country have been raised. According to the statistics of relevant institutions, the average interest rate of the first suite in China reached 5.69% from 2065438 to August 2008, including 5. 16% in Shanghai, 5.39% in Xiamen and 5.47% in Beijing. The average interest rate in Guangzhou is 5.55% and so on.

3. According to the statistics of relevant institutions, the interest rates of most banks in China rose by 15-20%. Among them, 128 banks' interest rates rose by 20%, and 28 banks' interest rates rose by 30%. The interest rates of the first suite of ABC, Bank of Communications and China Construction Bank rose by 15%, and the interest rates of the second suite rose by 20%. The interest rates of the first and second suites of ICBC and Postal Savings Bank rose by 20%.

At present, there are two repayment methods of mortgage: equal principal and interest and average principal. Interest = principal × actual days × daily interest rate or total interest = monthly repayment amount-loan months-principal. If we borrow 6,543,800 yuan, the loan term is 20 years, and the interest rate is 5.47%, and choose the repayment method of equal principal and interest, then the interest we need to repay is 646,865.60 yuan. The average capital repayment interest is 549,278.73 yuan.

Bian Xiao Abstract: What is the general mortgage interest? Bian Xiao introduces it here. I hope that after reading this article, I can provide you with reference. We can also ask the staff of the loan bank to help us calculate the interest on the mortgage.

This is the end of the introduction of how much interest is paid on real estate loans and how much interest is paid on housing loans. I wonder if you found the information you need from it?