Buying a house is a big expense, and many people can't afford it, so they can only choose to buy a house with a loan. So what is the commercial mortgage interest rate? What are the mortgage interest rates of major banks? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

What is the interest rate of commercial mortgage?

At present, the benchmark interest rate for commercial mortgages with a term of more than five years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

What are the mortgage interest rates of major banks?

1. China Construction Bank: benchmark interest rate is 4.9%, down payment for the first suite is 30%, benchmark interest rate rises 15%, down payment for the second suite is 40%, and benchmark interest rate is 25%.

2. ICBC: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate is raised by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%.

3. Agricultural Bank: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 15%, the down payment for the second suite is 30%, and the benchmark interest rate is 20%.

4. Bank of China: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 15%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%. Cooperative property can apply for a loan.

5. Bank of Jiangsu: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises 15%-25%, the down payment for the second suite is 30%, and the benchmark interest rate is 25%. The loan period is about two weeks.

6. Postal Savings Bank: The benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate is raised by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is raised by 30%.

7. Bank of Communications: the benchmark interest rate is 4.9%, the down payment for the first suite is 30%, the benchmark interest rate rises by 20%, the down payment for the second suite is 40%, and the benchmark interest rate is 25%-30%. The loan period is about three months.

Abstract: The above is what Bian Xiao introduced to you about the commercial mortgage interest rate and the mortgage interest rate of major banks, hoping to help some friends in need.

What is the mortgage interest rate of commercial housing?

The mortgage interest rate of commercial housing cannot be generalized, and it can be divided into the following two situations:

1. Commercial loan: According to the benchmark interest rate stipulated by the People's Bank of China, the long-term loan for more than five years is 4.9%, the medium-and long-term loan interest rate for 1 ~ 5 years is 4.75%, and the short-term loan for less than 1 year is 4.35%. The bank will give a discount at this interest rate.

2. Provident fund loan: According to the benchmark interest rate stipulated by the People's Bank of China, it is 3.25% for more than five years and 2.75% for less than five years, and the bank will give preferential treatment according to this interest rate.