Starting from 202 1, if the floating interest rate of LPR is selected, the mortgage interest rate will be switched once a year. If we take 65438+ 10 month 1 as the time point, then the first batch of mortgage interest rate conversion is coming. Since 2020, the central bank has cut interest rates by two rounds of LPR: 1 year LRP interest rate has been lowered from 4. 15% to 3.85%, with a cumulative interest rate cut of 30 basis points; 5-year LPR interest rate: reduced from 4.8% to 4.65%, with a cumulative interest rate reduction of 65,438+05 basis points. Housing loans, almost all medium and long-term loans, are based on the 5-year LPR interest rate. As long as the floating interest rate is chosen, the mortgage interest rate of 202 1 will be 15 basis points lower than that of 2020. This means that since 20 15, the stock mortgage will usher in the first "interest rate cut" and the floating interest rate of mortgage will be officially opened. Whether it is equal principal and interest repayment method or average capital repayment method, the nature of interest will not change. Generally speaking, matching the principal and interest will pay a little more interest than the average capital. . But the premise is that the loan period is sufficient. It seems that the bank has recovered the interest, but in fact, with the reduction of the principal, the average capital repayment method can speed up the repayment, withdraw the funds as soon as possible, reduce the operating cost and help reduce the risk coefficient. In the actual operation process, the matching of principal and interest is more conducive to the borrower to master and facilitate repayment. In fact, after comparison, most borrowers still choose the method of matching principal and interest, because this method has a fixed monthly repayment amount, is easy to remember, and the repayment pressure is balanced, which is actually not much different from the average capital. 1.NPC, CPPC202 1 New mortgage policy 2021The policy of deferred repayment of principal and interest of loans continued to be implemented. On the afternoon of March 10, before the closing meeting of the Fourth Session of the 13th Chinese People's Political Consultative Conference, Chen, member of Chinese People's Political Consultative Conference and deputy governor of the People's Bank of China, said that the policy of deferring repayment of loan principal and interest, which is widely concerned by small and micro enterprises, will continue in the future; Small and micro loans of large commercial banks of industry, agriculture, China and construction increased by more than 30%. Regarding interest rate cuts, the 202 1 government work report mainly puts forward the following points: 1. A prudent monetary policy should be flexible, accurate, reasonable and moderate. Put serving the real economy in a more prominent position and handle the relationship between economic recovery and risk prevention. 2. The growth rate of money supply and social financing scale basically matches the nominal economic growth rate, maintaining a reasonable and sufficient liquidity and maintaining a basically stable macro leverage ratio. 3. Optimize the supervision of deposit interest rate, further reduce the real loan interest rate, and continue to guide the financial system to make profits to the real economy. Judging from the above three points, it is unlikely that the 202 1 mortgage interest rate will decrease, and the mode of "LPR interest rate unchanged" and "local mortgage interest rate increased" is still the main one. 2. How much will the bank loan interest increase from April 1? After the two sessions ended, in April, the bank interest of 1 was raised by 15%, and the LPR of mortgage was raised from the benchmark of 4.65 to 5.65. Buying a house in March, buying a house in April, the interest in April is hundreds of thousands more. The credit of the two sessions has attracted much attention. Some time ago, the governor of the central bank said in his speeches at the two sessions that the loan amount will be collected, the interest will gradually rise, and the threshold will be raised on a large scale. It is inevitable that the loan is difficult, strict and insufficient. From April 1, individual loans will be closed one by one. At present, credit loans are very risky, and bank loans may have a serious impact on the country's economic form. With the increasingly fierce competition among enterprises, enterprises closed down due to poor management, which led to the inability to recover bank funds and even triggered a bank loan crisis. Third, 202 1 house purchase suggestion 1, at first, you don't have to worry about when to buy, but the best time to buy a house is now. 2. A lot of hesitation comes from the short-term instability of the future property market, so I can only tell you, don't doubt the government's determination to manage the real estate industry at the moment, but don't doubt the importance behind such determination. 3. If the price of the property is much higher than that of surrounding properties and second-hand houses, and there is no obvious advantage in brand and quality, there is a risk of overdraft, so don't overdraw. 4. If you find that the house price has fallen after buying a house, don't worry. It must be understood that in the future, the core of housing prices is only one word, stability. There are not many people who can accurately predict the house price, even if there are, it is impossible to be accurate, so there is no need to ask around whether the house price will rise or fall in the future. 6, how to identify a good product, there is really no other shortcut, you will know when a pair of shoes are used up, good and bad contrast. 7. If you still want to be lazy, I'll teach you a way to buy a brand developer. In addition to general products, you can still find someone if something goes wrong. 8. Parents who are entangled in the school district should think clearly whether the sense of security in the future depends on themselves or children, because no one can guarantee that a good school will cultivate good students. 9. If you have enough funds, it will definitely be better to get them in place at one time, but if the funds are limited, don't be reluctant. You can buy a small set first. 10, of course, is normal in the end. The most important thing in buying a house is to be calm.

Second, the new mortgage policy

New mortgage policy: there is a difference between the first suite and the second suite. 1 In the next article, Bank of China and Industrial and Commercial Bank of China set the interest rate for the first home loan at 5.5 1% and the interest rate for the second home loan at 6. 12%. The reporter learned from the relevant parties on the 22nd that according to the spirit of the Notice of the People's Bank of China on Adjusting the Housing Credit Policy of Commercial Banks and Lowering the Interest Rate of Excess Reserves of Financial Institutions, four state-owned commercial banks, including Bank of China, have been approved on March 65,438. These forthcoming detailed rules will reflect the following characteristics: actively cooperate with the national macro-control policies, reduce the potential risks of real estate, prevent and resolve the credit risks of real estate, establish a scientific interest rate pricing and interest rate risk management system, and improve the risk pricing ability of commercial banks. Bank of China said that before the detailed rules for the implementation of the Head Office were promulgated, the loan interest rate of self-owned housing loans issued after March 17, 2005 was lowered by 10% according to the benchmark interest rate of the same grade. For the same borrower who can be identified, the loan interest rate shall be implemented according to the benchmark interest rate of the same grade. For the loan contract signed before March 17, 2005, but the loan has not been issued, the original contract interest rate will still be implemented. With regard to individual housing provident fund loans, Bank of China stipulates that loans issued after March 17, 2005 (inclusive) shall be subject to floating interest rates; For the unexpired loans issued before March 17, 2005, the increased interest rate will be implemented from March 10/2006. According to the person in charge of China Industrial and Commercial Bank, ICBC will restore the current preferential interest rate of housing loans to the same period's loan interest rate in strict accordance with the spirit of the notice of the People's Bank of China. Taking individual housing loans with a term of more than five years as an example, the lower limit of interest rate will be 5.5 1%, which is "0.9 times of the central bank's benchmark interest rate", while lenders who purchase high-grade housing and second and above houses will implement the benchmark interest rate of 6. 12%. At the same time, the bank will appropriately increase the down payment ratio for the purchase of high-end housing and second and above housing. The person in charge said, "Our basic principle is to correctly understand the spirit of the central bank and make full use of the independent floating rights granted by the central bank to commercial banks. The implementation of lower interest rates for individuals who purchase the first suite is to minimize the impact of interest rates on repayment; The benchmark interest rate and the down payment ratio will be implemented for those who buy high-end housing, office buildings, villas and second suites, aiming at effectively preventing a few people from speculating. " China Construction Bank introduced that it will realize the differentiated interest rate management policy for individual housing loans. According to the principle of symmetry between risk and return, CCB will strictly follow the central bank's benchmark interest rate and floor management policy, and comprehensively consider the risk degree, credit status and comprehensive contribution of customers, and implement differentiated interest rates for different customers. The minimum downward fluctuation range is the lower limit set by the central bank, that is, 10%. At present, the head office has authorized local branches to formulate interest rate policies differently for specific buildings and customers according to the local real estate market, customer credit status and other actual conditions, instead of "one size fits all" as in the past. The Construction Bank also stressed that the differentiation of interest rates is not the differentiation of wealth, but the differentiation of credit. The Bank will also differentiate between different products and customers and implement differentiated pricing policies. The main basis for implementing differentiated interest rates is the credit status of customers. For some customers with high risks or bad credit records, higher personal housing loan interest rates will be implemented, such as some high-risk second-home loans and high-end villa loans. For customers with low risk, good credit status and high comprehensive contribution, preferential and reasonable personal housing loan interest rate will be implemented. As long as the credit risk is low, customers have a stable source of repayment and a strong sense of credit, you can enjoy preferential and reasonable prices and high-quality and efficient services when applying for personal housing loans in CCB. The Agricultural Bank of China also indicated that it will fully implement the housing credit adjustment policy of the People's Bank of China and support the healthy and sustainable development of the real estate industry as always. Within the framework of the lower interest rate set by the central bank, more detailed standards and rules will be introduced as soon as possible.

Does the bank loan policy of 3.202 1 have an impact on the mortgage being approved?

It doesn't matter much. Although the state has issued two red lines and other policies for banks and developers, mortgage is still a high-quality business for banks, and the loan approval policy will not be easily tightened in order to seize market share.

Fourth, the new policy of early repayment of CCB mortgage loan 202 1?

With the continuous improvement of people's living standards, people's income level is also growing with the development of society. As a large loan, mortgage needs to repay a lot of principal and interest every year, so many people will choose to repay the loan in advance after saving a sum of money. The new policy of prepayment of CCB mortgage is 202 1.

CCB's new policy of prepayment of mortgage loan 202 1 means that the borrower shall not prepay the loan within 12 months from the loan issuance date; (that is, after 12 is paid in full, the borrower can apply to the personal loan department of the loan bank for early repayment); The Borrower shall submit an application for prepayment to the Lender 30 days in advance, and it can only be handled with the consent of the Lender. The Borrower partially repays the principal in advance, and the prepayment amount must be an integer multiple of RMB 10000 yuan; The time interval between two prepayment by the borrower shall not be less than 6 months.

I. 1. Liquidated damages for repayment of loans

The first is liquidated damages. If the user wants to repay the loan in advance, he needs to pay a certain penalty. If the repayment time is less than one year, if you choose to repay the loan in advance, you need to pay a penalty of 3%. If the repayment time exceeds 1 year, a penalty of 2% is required. If the repayment time exceeds 2 years, a penalty of 1% shall be paid.

2, owing on the loan times

If the user chooses to repay only part of the loan in advance, there is a limit to the number of times he can choose to repay the loan in advance each year. According to the latest regulations, CCB is only allowed to repay the loan in advance once a year. If users want to repay the loan in advance again, they need to wait for the next year, otherwise they will not be able to repay the loan in advance.

3, owing on the loan order

If the user applies for a combination of provident fund and commercial loan, when repaying the loan in advance, the user cannot choose to repay only the commercial loan with higher loan interest rate. Instead, it is necessary to repay the provident fund loan and commercial loan at the same time according to a certain proportion. If users only want to repay commercial loans, they need bank approval.

4. Repayment amount

Second, if the user wants to repay part of the loan in advance, it must be repaid in integer units of 10,000 yuan. For convenience, many users want to pay off a fraction of the mortgage first, which is not feasible in CCB.