The adjustment of the benchmark loan interest rate does not affect the repaid interest rate and principal, but only the amount to be repaid.
Corresponding to the benchmark interest rate for loans is the benchmark interest rate for deposits. At present, the benchmark interest rates for current deposits are 0.35%, three-month deposits are 1. 1%, six-month deposits are 1.3%, one-year deposits are 1.5%, and two-year deposits are 2./kloc-0.
If the interest rate rises, the burden of buying a house will definitely increase. Based on the commercial loan of 6,543,800 yuan and the loan period of 30 years, the monthly payment for the first suite is 5,307 yuan when the benchmark interest rate is implemented; If the interest rate rises 10%, the interest rate will be raised to 5.39%, and the monthly repayment amount will be 5609 yuan. That is to say, if the interest rate rises 10%, the house buyer will pay more for the mortgage in 720 yuan for 30 years 108.
Extended data
The rise in mortgage interest rate will not only increase the burden on those who want to buy a house, but also affect those who have already bought a house. This problem should start with the current domestic mainstream mortgage interest rate model.
Mortgage interest rates are divided into floating interest rates and fixed interest rates.
Floating interest rate: refers to the floating system of mortgage interest rate, and the housing loan interest rate is adjusted in time according to the change of the benchmark interest rate of the central bank. This kind of mortgage is a common one at present.
Features: when the benchmark interest rate is raised (the central bank raises interest rates), the interest on future repayment will increase; On the contrary. If the benchmark interest rate is lowered (the central bank cuts interest rates), the interest on future repayment will be reduced.
Fixed interest rate: refers to the individual housing loan whose loan interest rate does not change with the adjustment of central bank interest rate or the change of market interest rate within the agreed period.
Features: the interest rate remains unchanged, the repayment amount is determined, and the risk is locked.
At present, most of China adopts floating interest rates. Even the fixed interest rate will be adjusted every 1~3 years, that is to say, there is basically no complete fixed interest rate in China.
The current interest rate hike is not a change in the benchmark interest rate, but a rise in the benchmark interest rate, so it will not affect people who have already borrowed money to buy a house.
Excuse me, I borrowed money to buy a house, but the loan interest rate has gone up, so has my loan interest rate also gone up?
Hello, if you are already in repayment, your loan interest rate will be adjusted after the central bank raises or lowers interest rates. The specific time to adjust the interest rate is based on the agreement in your contract with the bank at that time. Generally, the new interest rate will be implemented after 65438+ 1 in the following year. For example,1October 20th 10 and February 26th, 65438 * * raised interest rates twice. At present, the loan interest rate for more than five years is 6.40%. Next year, you will implement the new loan interest rate after raising interest rates twice.
If the interest rate is raised, the previous loan interest rate will also change accordingly, depending on how the contract you signed with the bank is stipulated. If you chose to adjust next month at that time, your mortgage interest rate will change next month after the interest rate adjustment, and the monthly supply will also increase or decrease. If next year's adjustment is selected, your mortgage interest rate will be the new interest rate adjusted in the previous year, and it will be implemented in June 65438+1 October1the following year. If you raise interest rates, your monthly payment will increase; If you lower the interest rate, your monthly payment will be reduced.
Mortgage interest rate table 202 1- loan interest rate table 202 1
202 1 the latest central bank loan interest rate table, 202 1 the most practical mortgage interest rate table, loan interest rate table, which is convenient to use mortgage interest rate to calculate loans and mortgage amounts.
Latest LPR interest rate
Release date: 1 year, more than 5 years.
20211120 October 3.85% 4.65%
202120 September 3.85% 4.65%
202120 August 3.85% 4.65%
2021July 20th 3.85% 4.65%
2021June 2 1 3.85% 4.65%
2021May 20 3.85% 4.65%
2021April 20th 3.85% 4.65%
202122 March 3.85% 4.65%
202120 February 3.85% 4.65%
202 1 0 1 20 3.85% 4.65%
202065438+February 20th 3.85% 4.65%
2020165438+120 October 3.85% 4.65%
20201October 20th 3.85% and 4.65%+65438.
On September 20, 2020, 3.85% and 4.65%
On August 20, 2020, 3.85% and 4.65%
On July 20, 2020, 3.85% and 4.65%
On June 20, 2020, 3.85% and 4.65%
On May 20, 2020, 3.85% and 4.65%
On April 20, 2020, 3.85% and 4.65%
4.05% on March 20, 2020
4.05% on February 20, 2020
2020065438+1October 20th 4. 15% 4.80%
20 19 12.20 4. 15% 4.80%
2019165438+1October 20th 4. 15% 4.80%.
20 19 10 2 1 4.20% 4.85%
20 19 September 20, 4.20% 4.85%
2065438+August 20, 2009
Old benchmark interest rate
Regular annual interest rate (%)
Six months (inclusive) commercial loan 4.35
One year (inclusive) 4.35
One to three years (inclusive) 4.75
Three to five years (inclusive) 4.75
More than five years 4.90
Provident fund loans for less than five years (including five years) 2.75
More than five years 3.25
Will the repayment method of equal principal and interest change because of the change of interest rate?
It will change, but the general interest rate changes in units of years. If the interest rate becomes 6% next year, your monthly repayment will definitely not be 1200. It will adjust according to the change of interest rate, and it will change. If the country adjusts the interest rate, so will your interest rate. The adjustment period is one year. That is, the interest rate is adjusted once every June. After the interest rate is adjusted, recalculate your monthly payment according to your bank loan balance and the adjusted interest rate.
Equal principal and interest:
Matching principal and interest refers to a repayment method. Matching principal and interest means paying the same amount of loans (including principal and interest) every month during the repayment period. This is a concept different from average capital. Although the monthly repayment amount may be lower than the average capital repayment method at the beginning, the interest paid in the end will be higher than the average capital repayment method commonly used by banks.
Repayment method:
That is to add up the total principal and interest of the mortgage loan, and then distribute it evenly to each month of the repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. This method is the most common and recommended by most banks for a long time.
Matching principal and interest repayment method refers to the borrower's equal repayment of loan principal and interest every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.
The average capital repayment method means that the borrower repays the loan principal with the same amount (loan amount/loan months) every month, calculates the loan interest according to the remaining loan principal at the beginning of the month, and settles it every month, and the sum of the two is the monthly repayment amount.
Does the original mortgage change after the mortgage interest rate rises?
Calculate how much it will cost to decorate your home.
Buying a house by loan is the most common way to buy a house at present, which can reduce the pressure of personal life. However, with the passage of time, mortgage interest rates are rising, and many people have concerns. Then, does the original mortgage change after the mortgage interest rate rises, and what preparations do you need to make for buying a house with a loan? You got it? Now let's have a look.
1. Does the original mortgage change after the mortgage interest rate rises?
After the mortgage interest rate rises, the original mortgage remains unchanged. At present, the mortgage interest rate rises, but the original mortgage is still implemented according to the signed contract, and repayment is made according to the interest rate at the time of loan. In addition, the state raised the mortgage interest rate, mainly to curb the rise in housing prices and prevent malicious real estate speculation.
Second, what preparations do you need to make for buying a house with a loan?
1, to buy a house and apply for a loan, you need to consider your personal economic strength and do what you can. Due to different loan methods, the amount of monthly payment to be repaid is also different. Generally speaking, it is most appropriate to control the monthly payment to be paid within the range that individuals can bear, and it will not affect daily life.
2. Under normal circumstances, the developer will arrange a designated bank for the buyers to apply for loans, but if they buy second-hand houses, the buyers can choose their own banks to apply for loans. At this time, they need to choose a loan bank according to the type of service implemented by the bank. As long as there are more types of services, the greater the choices offered to property buyers, and naturally the more favorable.
3. To buy a house with a loan, you need to choose the repayment method that suits you best. At present, loans are mainly based on equal principal and interest and average capital. Matching principal and interest can help lenders better grasp the monthly repayment amount and make better arrangements; General capital is suitable for families with strong repayment ability, but the pressure is great.
Regarding the changes of the original mortgage after the mortgage interest rate rises, what preparations need to be made for buying a house with a loan, I will introduce it here first. Are you clear? If the loan has been processed, the interest rate of the later mortgage will rise, which will not affect the original mortgage.
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