Although the first home loan can enjoy some preferential policies, the loan interest still has to be paid. Some friends are bent on making money and want to earn enough money to buy a house early, but when they really buy a house, they find that many things are unclear, especially about interest rates. Next, Bian Xiao will introduce the interest rate of the first home mortgage to you.
What is the interest rate for the first home mortgage?
1 and 20 18 April, the average interest rate of the first home loan in China was 5.56%, which was equivalent to 1. 135 times of the benchmark interest rate, up 0.9 1% from March and 23.0/kloc-0 from April last year. It is noteworthy that from June 20 17 to June 2007, the average interest rate of the first suite in China has increased by 16 months.
2. Among the 533 banks in 35 cities, 76 branches (sub-branches) raised the interest rate of the first home loan, accounting for 14.26%, and 26 branches (sub-branches) suspended the first home loan business. In April this year, the average interest rate of the first home loan of the bank was the lowest, which was 0.088 times of the benchmark of 65438+. The highest average interest rate of the bank's first home loan is 1. 1.96 times of the benchmark; The average interest rates of the first home loans of ICBC, ABC, BOC and CCB have all exceeded the benchmark interest rate 12%.
3. The interest rate of the first home loan is raised from the original benchmark interest rate of 4.9% to 1. 1 times 5.39%. If the loan is 1 10,000 yuan, the monthly payment will increase from 5787.8 yuan to 6075.4 yuan. Compared with 3 17, the interest rate of the property market before the New Deal is 15% off, and the monthly supply is increased by 1202.7 yuan.
Is there a discount for the first home loan?
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different.
Bian Xiao's conclusion: What is the interest rate of the first home mortgage? I hope I can help you. I believe that after reading the above, what is your first home loan interest rate? If you have more knowledge, you can also refer to it in the future.
What's the interest rate for the first home loan?
Regardless of the loan interest rate or deposit interest rate, banks will rise or fall appropriately on the benchmark interest rate of the central bank according to the standards of the national central bank. At present, the mortgage interest rate of most banks is about 10%- 15% on the basis of the benchmark interest rate.
At present, the benchmark loan interest rate in China 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%
Three, the individual housing provident fund loan annual interest rate
Less than five years (including five years) 2.75%
More than five years, 3.25%.
In 2020, the interest rate of the first home loan in many places is 465, and the loan is 300,000. After ten years, the monthly loan will be 3 1, 3 1 yuan.
The first home loan refers to the loan issued by the bank to the borrower for purchasing the first ordinary house for personal use. The borrower must provide a guarantee when applying for a personal housing loan. 20111February Some banks in Guangzhou, Beijing and Tianjin returned to the benchmark, and the second home loan showed no signs of relaxation. Wang's disinterest shows that the return of interest rates to the benchmark is not a policy relaxation.
From August, 2065438 to August, 2009, the interest rate of multi-city mortgage in China was raised. According to the Shanghai Stock Exchange and the interface, many banks in Hangzhou implemented the first set of benchmarks to rise by 8% or 10%, while Nanjing, Qingdao, Suzhou, Hefei, Wuhan and Wuxi generally rose by 20% or even 30%.
What is the interest rate of the first home loan?
Now house prices are getting more and more expensive, ranging from hundreds of thousands to millions of a suite. Buying a house is a difficult thing for people who have no savings. So many people choose loans when buying a house. The loan interest rates of the first suite and the second suite are different. So what is the interest rate of the first home loan? Let's take a look with Bian Xiao.
1. What's the interest rate for the first home loan?
The average interest rate of the first home loan is 5.43%, which is 1. 1 1 times of the benchmark interest rate, but the interest rates in different cities are different. For example, Shanghai's first home loan interest rate is 5. 16%, Guangzhou is 5.55%, Beijing is 5.47%, Kunming is 5.39%, Fuzhou is 5.4 1%, and Dalian is 5.39%.
Second, what should I pay attention to when buying a house with a loan?
1. Apply for a mortgage according to your ability.
Many people think that the more loans, the better. This is a wrong thinking, because the mortgage is to be repaid. The more loans, the more interest you have to pay. Therefore, the loan amount should be selected according to your own situation, so that the pressure of paying interest every month will not be so great.
2. Prepare loan information in advance.
When you take out a loan, you have to hand in a lot of materials and prepare in advance, which makes 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 relevant certificates should be issued.
Provide true information
The information provided to the bank must be true. If the false information is detected by the bank, the loan will be terminated, and the developer will bear the responsibility for breach of the pre-sale contract and pay a certain penalty.
4. Don't use the provident fund before applying for a loan.
If the lender uses the balance in the provident fund before the 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 the loan.
What's the interest rate for the first home loan?
Now basically every family can buy a house, not because there are many people, but because there are loans to buy a house. Buyers only need to pay a certain down payment, and the rest of the house can be loaned to the bank. This policy provides convenience for families with housing needs and insufficient funds, but they must pay relevant interest when choosing a mortgage loan to buy a house. Generally, the loan interest rate for buying the first suite will be lower than that for the second suite, so what is the interest rate for the first home loan? Let's take a look with Bian Xiao.
1. What's the interest rate for the first home loan?
1, commercial loan, the average interest rate for applying for commercial loan to purchase the first suite is about 5.38%, and 5%-20% is implemented on the basis of the benchmark interest rate of 4.90%. Of course, there are also some gaps in the adjustment of local policies and banks; 2. Provident fund loans. It is fixed to apply for a provident fund loan to buy the first suite. The interest rate of loans for more than five years is 3.25%, and the annual interest rate of loans for less than five years is 2.75%.
Second, what are the benefits of being the first suite?
Each region has different standards for the identification of the first suite, which can be divided into three ways: house recognition, loan recognition, loan recognition and house recognition. Once the first suite is confirmed, there will be many preferential policies when applying for a loan. The first advantage is that the down payment ratio is low, which is very important for buyers with insufficient down payment. Generally, the down payment for the first suite only needs about 30% of the total house price.
Secondly, it is more favorable in terms of loan interest rate. Generally speaking, the loan interest rate of the first suite is determined according to the benchmark interest rate or the floating interest rate of 10%, while the loan interest rate of the second suite will rise by 20%. If it is recognized as the first suite, the deed tax will be less, and only 1% will be levied for the purchase of houses below 90 square meters.