What's the interest rate of the first home loan in Xiangtan in 2118?
The interest rate of the first home loan in Xiangtan:
First, the interest rate of the first home loan in Xiangtan is generally 1.1 times of the benchmark, that is, the interest rate is 5.39%. Take the first home loan in Xiangtan as an example, the interest rate for one year is 1.5 billion.
2. Interest of provident fund loan:
The interest rate of the first-home provident fund loan in Xiangtan City is 3.25%. Taking a loan of 311,111 yuan as an example, the interest of the loan for one year is 1.511113.25% 1 = 4,875 yuan.
the interest rate of the first home loan in Xiangtan is about 5.9%.
The interest rate of the first home loan of different banks is different. The first interest rate of China Construction Bank is 5.9%. ICBC's first interest rate: 5.9%; Agricultural Bank's first interest rate: 5.8%; China Bank's first interest rate: 6.35%.
At present, the relatively large banks in China include Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.
in p>2122, the benchmark interest rate of commercial loans for the first home in Xiangxi is
1, and the loan period is 1 to 5 years, including 5 years. The interest rate of the first home loan is generally between 4.75% and 6.715%.
2. The loan term is more than 5 years, and the interest rate of the first home loan is generally between 4.9% and 6.37%.
what is the interest rate of the first home loan now?
in p>2123, the interest rate of the first home loan basically declined, at around 4.1%, with certain differences.
However, it is relatively declining at present.
The loan interest rate of Xiangtan Post Bank: The basic interest rate has risen by 74%. Is this interest rate high for the first suite?
This interest rate is high.
the interest rate of the first home loan of the postal bank will fluctuate on the benchmark interest rate of the central bank loan, and the average commercial loan will rise by about 11%, while 74% is much higher than 11%, so this interest rate is very high. Postal savings in China can be traced back to the postal savings business started in 1919, which has a history of one hundred years.
in March p>2117, on the basis of reforming the original postal savings management system, China Postal Savings Bank Co., Ltd. was formally established. In October 2112, the whole company was restructured into a joint stock company. In February 2115, ten domestic and foreign strategic investors were introduced. In September 2116, it was listed on the Hong Kong Stock Exchange.
in February, 2119, it was listed on the Shanghai Stock Exchange, and successfully completed the three-step reform goal of "share reform-leading the war-listing in A and H". In February 2122, it ranked 17th in the list of "Top 511 Global Bank Brand Values" in 2122.
What's the interest rate of the first home loan
Nowadays, the house price is getting more and more expensive, ranging from several hundred thousand to millions for a suite. For people without savings, buying a house is a difficult thing. Therefore, many people choose loans when buying a house. The loan interest rate of the first suite is different from that of the second suite. So what is the interest rate of the first home loan? Let's take a look at it with Xiaobian.
I. What is the interest rate of the first home loan
The average interest rate of the first home loan is 5.43%, which is 1.11 times of the benchmark interest rate, but the interest rate in each city is different. For example, Shanghai's first home loan interest rate is 5.16%, Guangzhou's 5.55%, Beijing's 5.47%, Kunming's 5.39%, Fuzhou's 5.41%, Dalian's 5.44%.
Second, what should be paid attention to when buying a house with a loan
1. When applying for a mortgage, you should do what you can
Many people think that the more you borrow, the better. This is a wrong thinking, because the mortgage is to be repaid. If you borrow more, it means more interest to be repaid. Therefore, the amount of loan should be selected according to your own situation, so that the pressure of repaying interest every month will not be so great.
2. Prepare the loan materials in advance
You have to hand in the materials many times when you make a loan, so you should prepare them in advance, which will make the loan more convenient. Loan materials, such as the lender's identity certificate, house purchase contract, social security related certificates, etc. Secondly, if the credit card has a bad record, then the bad record should be eliminated first, or the relevant certificates should be issued.
3. Provide true information
The information provided to the bank must be true. If the false information is found out by the bank, the loan will be terminated, and the developer should be liable for breach of the pre-sale contract, and a certain penalty should be paid.
4. Don't use the provident fund before applying for a loan
If the lender uses the balance in the provident fund before making a loan, the balance in the provident fund will become zero, which means that the loan amount is zero and the loan cannot be made, so the provident fund cannot be used before making a loan.
This is the end of the introduction about the interest rate of the first home loan in Xiangtan and the interest rate of the first home loan in Xiangtan. Did you find the information you need?