1, loan term 1 to 5 years, including 5 years, and the interest rate of the first home loan is generally between 4.75%-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 of 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 of one year to five years (inclusive) is 4.75%; The long-term loan interest rate for more than five years is 4.9%. Under normal circumstances, mortgages are long-term loans for more than five years, so the increase of *% is always on the basis of 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 mortgage interest rate rises 10%, which 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 it is more cost-effective for bank loans to have discounts on mortgage interest rates. The lower the discount, the less interest.