There are four standards for Wuxi commercial loan interest rate of 20 19.
The loan interest rate of 20 19 mainly includes the following standards:
I. Interest rate of commercial loan for the first home:
The common loan interest rate is 1. 1 multiple of the benchmark interest rate, that is, 5.39%. The lowest interest rate is 5.39%, and the highest interest rate is 5.88%.
Second, the second suite commercial loan interest rate:
At present, the common interest rate of the second home loan is 5.88%. The lowest interest rate is 5.39% and the highest interest rate is 6.37%.
Three. Provident fund loan interest rate:
The loan term is 2.75% within 5 years (inclusive) and 3.25% over 5 years.
Four, provident fund second home loan interest rate:
The loan term is 3.025% within 5 years (inclusive) and 3.575% over 5 years.
20 19 commercial loan interest rate
The commercial loan interest rates of domestic banks are adjusted according to the benchmark interest rate of the Bank of China, and the adjustment ratio of different banks is different, so the loan interest rates implemented by different banks will be different. The benchmark interest rate of the Bank of China for 20 19 years is as follows:
I. Short-term loans
Within one year (including one year) 4.35%
Second, medium and long-term loans
One to five years (including five years) 4.75%
More than five years, 4.90%.
The benchmark loan interest rate is the guiding loan interest rate issued by the People's Bank of China to commercial banks, which plays a guiding role in the deposit, loan and discount business of commercial banks.
There are many factors that affect the change of interest rate, including:
① Average profit rate. It must be higher than the interest rate. Only when the average profit rate is higher than the interest rate will you borrow money.
(2) the relationship between supply and demand of loan funds. This is a very extensive factor that affects interest rates. There is more money in society, less demand from enterprises, less loans, more deposits, lower profits and lower interest rates; On the other hand, banks have no money, but enterprises borrow a lot, and the interest rate is high at this time.
(3) The influence of national economic policies. The state should adopt two policies, one is to relax monetary policy, and the other is to tighten monetary policy. When the economy is booming, in order to prevent the economy from overheating, we should tighten monetary policy and raise interest rates; When the economy is in recession, loosen monetary policy and cut interest rates.
④ International interest rate level. Interest rate is the price of money, and international capital flow is affected by interest rate, and capital will flow to countries with relatively high interest rates.
20 19 what is the commercial loan interest rate in Shenzhen?
20 19 latest commercial loan interest rate:
Within six months, the loan interest rate is 4.35%;
From half a year to one year, the loan interest rate is 4.35%;
For one to three years, the loan interest rate is 4.75%;
For three to five years, the loan interest rate is 4.75%;
For more than five years, the loan interest rate is 4.9%.
The above is the benchmark interest rate of central bank loans, and every commercial bank will float on this basis. If you want to get a lower interest rate, it is related to other factors besides choosing provident fund loans.
1, mortgage down payment ratio
Buying a house requires a down payment in advance, and the loan interest rate is also related to the down payment ratio. The higher the down payment, the lower the interest rate.
2. Solvency
Any credit loan depends on the borrower's repayment ability. It doesn't matter if you have no car or room. As long as the monthly income and bank flow are good, the loan interest rate will be lower, and the commercial loan interest rate is highly consistent with the risk.
3. Personal credit information
In the Internet age, credit is a very important document, and good credit information is a prerequisite for obtaining preferential interest rates and loans, so personal credit information has a great influence on the interest rate of commercial loans.
4. Age of the house
Banks also have regulations on the age of the house, generally requiring 20-25 years, 30 years if it is loose, or 15 or 10 year if it is strict. The shorter the house age, the lower the interest rate of commercial loans.
I hope I can help you.
Commercial loan interest rate 20 19
According to the website of the People's Bank of China, the current benchmark loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years. The loan interest rate of each bank is different. The loan interest rate needs to be comprehensively priced in combination with the business type, credit status and guarantee method you apply for. I suggest you contact the official customer service of the bank to confirm.
If you need funds, Ping An Bank provides unsecured credit loans, as well as mortgages and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether the approval is successful or not is evaluated according to your comprehensive qualifications. You can log in to Ping An Pocket Bank APP- Finance-Loan for details and try to apply.
Response time: August 26th, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.
[Ping An Car Owner Loan] A car can be loaned up to 500,000 yuan.
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What is the interest rate of 20 19 commercial loan for buying a house?
20 19 commercial loan interest rate to buy a house, the latest news has been raised. On the basis of the benchmark interest rate of 4.9%, the first suite in Hangzhou has risen by 5% compared with the previous one, and now it has basically risen by 8%. The second suite is higher when it floats. In addition, the number of cities where house prices have risen too fast has basically increased, and the bank approval quota and loan cycle are also relatively long. In order to curb the excessive rise in housing prices. The choice of banks is different, and the interest rate of commercial loans for buying houses is also different, but the difference is not particularly great.
The lowest interest rate is 4.9%, but most banks are higher than this, about 1-20%. The interest rate set by each bank is different, and the difference is not too much, ranging from 4.9% to 7%.
At present, the benchmark interest rate of Hangzhou mortgage is 4.9%. At the beginning of March this year, most banks raised the interest rate of the first home commercial mortgage by 10%. Subsequently, since May, a number of banks raised the benchmark interest rate for the first residential commercial mortgage from 10% to 15%, and adjusted the interest rate for the second residential commercial mortgage to 1.2 times or even higher than the benchmark interest rate.
Commercial loan interest rate:
1 year 4.35%
1-5 years 4.75%
More than 5 years, 4.9%
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!