Subjectivity of law: mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. The floating ratio of different banks is different, and the floating ratio of the same bank in different regions is also different, so the specific interest rate is subject to the actual interest rate stipulated by the bank. Since the central bank cut interest rates in June 20 15, the benchmark interest rate currently implemented by banks is: the interest rate for loans with a term of less than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; More than five years is 4.90%. In 20 18 years, banks will also implement this benchmark interest rate. At present, the benchmark interest rate for commercial loans with a loan term of more than 5 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 latest data shows that 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%.
Legal Objectivity: Notice of the People's Bank of China and China Banking Regulatory Commission on Strengthening the Credit Management of Commercial Real Estate Article 3 A commercial bank shall, in accordance with the principle of honesty and trustworthiness, require the borrower to truthfully fill in the loan information of which house to purchase in the housing loan contract. If the first self-occupied house is purchased with a construction area of less than 90 square meters, the down payment ratio of the loan (including this loan, the same below) shall not be less than 20%; Purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, and the down payment ratio of the loan shall not be less than 30%; If you have used the loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio shall not be lower than 40%, and the loan interest rate shall not be lower than 1. 1 times of the benchmark interest rate of the same grade in the same period announced by the People's Bank of China. Moreover, the down payment ratio and interest rate of loans should be greatly increased with the increase of housing units, and the specific increase rate should be determined by commercial banks independently according to the relevant principles of loan risk management, but the monthly expenditure of borrowers to repay housing loans should not be higher than it.
2. What is the interest rate of the first suite of the Postal Savings Bank?
The interest rate of the first home commercial loan of China Postal Savings Bank will rise by 10% to 15% based on the benchmark interest rate, and the floating standards of different branches are not exactly the same. The interest rate of the first home loan of provident fund is generally based on the benchmark interest rate for the same period.
3. What is the interest rate of the first home loan of Postal Savings Bank?
Hello, the following is the latest loan interest rate of Postal Savings Bank (implemented from 20 15 years124 October).
4.35 a year
One to five years 4.75
More than five years 4.90
Provident fund loan
Less than five years (including five years) 2.75
More than five years 3.25
4. Xiangtan Postal Savings Bank loan interest rate: the basic interest rate rose by 74%. Is the interest rate for the first suite high?
This interest rate is very high.
The interest rate of the first home loan of the Postal Savings Bank will fluctuate on the benchmark interest rate of the central bank loan, and the average commercial loan will rise by 1074, much higher than 10%, so this interest rate is very high. Postal savings in China can be traced back to commerce and has a history of one hundred years.
In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. 20 1 strategic investors. 2065438+listed on the Hong Kong Stock Exchange in September 2006.
20 19 in February, 19 was listed on Shanghai Stock Exchange-listed in A and H ". In February of the following year, it ranked 17 in the list of "Top 500 Global Bank Brand Values" in 2022.