Answer 4. 10%. When the central bank cuts interest rates again, we will find that the lowest mortgage interest rate in China can be reduced to about 4. 1%, almost returning to the level in 2009.
Therefore, the mortgage interest rate before 10 is about 4. 10%.
Mortgage interest rate refers to the interest rate set by the bank or the interest rate when buying a real estate loan. The interest rate of bank mortgage is uniformly stipulated by the Bank of China, and all commercial banks can float within a certain range.
65438+Lpr interest rate in February 2022
65438+ Beijing, February 20th, 2022 (Reporter Jinlong) On the 20th, the People's Bank of China authorized the National Interbank Funding Center to announce that the loan market quoted interest rate (LPR) 1 year was 3.65% on February 20th, 2022, and it was 4.3% for five years or more.
Last month, the market quotation rate (LPR) of one-year loans was 3.65%, and the market quotation rate of loans over five years was 4.30%, which means that the LPR of one-year loans and loans over five years remained unchanged this month.
Since the beginning of this year, the quoted interest rate in the loan market has been lowered three times, with 1 month, 1 year LPR and 5-year LPR lowered by 10BP and 5BP respectively. In May, the five-year LPR was lowered by 15BP, the biggest decline since the LPR reform in August, 20 19. In August, LPR decreased asymmetrically, that is, 1 year LPR decreased by 5 basis points, and over 5 years LPR decreased by 15 basis points.
(Historical trend chart of LPR varieties, source: National Interbank Funding Center)
"Since the asymmetric downward adjustment of LPR in August, the LPR quotation has been" inactive "in recent months, mainly because the policy interest rates such as MLF remain unchanged, the rapid upward interest rate of funds and market fluctuations have put pressure on the debt side of banks, and the net interest margin under insufficient credit demand is at a historical low. There is no corresponding downward adjustment space for LPR quotation. " The chief economist of Minsheng Bank told reporters.
It is reported that the loan market quotation (LPR) is quoted by the quoting banks by adding the open market operating interest rate (mainly referring to the medium-term lending convenience rate), which is calculated by the National Interbank Funding Center, providing pricing reference for bank loans. At present, LPR includes 1 year and more than 5 years.
What's the latest annual interest rate for commercial loans?
At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.
So much for the introduction of the commercial loan interest rate chart.