Calculation of interest rate of second home loan in Nanning

What is the interest rate for the second home mortgage?

Second home loan interest rate

The second home loan interest rate of commercial loans, the current second home loan interest rate is implemented according to the benchmark interest rate 1.2 times. The benchmark interest rate for loans over five years is 4.90%, and the execution interest rate is almost 5.88%, and the maximum interest rate cannot exceed 6.37%. 2. The interest rate of the second home loan for provident fund loans is implemented according to the benchmark interest rate 1. 1 times, and the benchmark interest rate for loans over five years is 3.25%, so the interest rate of the second home loan is almost around 3.575%.

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The second suite recognizes both the house and the loan.

At present, most cities choose the principle of recognizing houses and loans, that is, when applying for loans, we should not only look at whether there is a purchase record under the name, but also whether there is a loan record under the name. If yes, the second loan application will be recognized as a second home, and the loan interest rate and down payment ratio should be implemented according to the second home loan.

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The second suite recognizes the house and does not recognize the loan.

The standard for identifying a house is that there is a registered property under the name of the purchaser or family. If you buy a house again and apply for a loan, it belongs to the second suite. If the house is sold, even if there is a loan record, it is not a second suite.

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The second suite accepts loans but not houses.

Recognizing loans and housing only pays attention to whether individuals or families have a record of applying for loans to buy a house. If there is a set of real estate loans outstanding, buying a house is also considered as two sets. If the loan is settled, it is not a second set.

Guangxi city mortgage interest rates.

Bian Xiao replied: The mortgage interest rate table of major banks in Wuzhou, Guangxi.

2022-11-1405: 20 published in the loan information.

202 1 What are the loan interest rates of major banks? The latest news of mortgage interest rate 202 1) Submission user name: Liuli Dream. Now, Bian Xiao will explain in detail the relevant contents of the mortgage interest rate table of major banks in Wuzhou, Guangxi! Answer nb ...

Today, Shandong will tell friends about the mortgage interest rate table of major banks in Wuzhou, Guangxi. The following five points hope to help you find the answer you want.

202 1 What are the loan interest rates of major banks? The latest news of mortgage interest rate 202 1)

Contributing User Name: Liu Limeng, now Bian Xiao, Shandong Province will explain in detail the relevant contents of the mortgage interest rate table of major banks in Wuzhou, Guangxi!

A: Today, let's talk about the mortgage interest rates of major banks. Let's find out!

The following are the loan interest rates of 202 1 of the six major banks:

Remarks: short-term loans (within 6 months); Medium-term loan (6 months to 1 year including one year); Medium and long-term loans (1-5 years inclusive); Long-term loan (5 years).

0 1, Agricultural Bank of China

202 1, the short-term loan interest rate of Agricultural Bank is 4.35%, the medium-term loan interest rate is 4.75%, the medium-and long-term loan interest rate is 4.9%, and the long-term loan interest rate is 3.25%. In addition, the interest rate of provident fund loans for less than five years is 2.75%.

Industrial and Commercial Bank of China

The short-term loan interest rate is 4.35%, the medium-term loan interest rate is 4.35%, the medium-term loan interest rate is 4.75% and the long-term loan interest rate is 4.9%. Provident fund loans are 2.75% for less than five years and 3.25% for less than five years.

03. Bank of Communications

The loan interest rate is 4.35% within 1 year (inclusive), 4.75% within 1-5 years (inclusive) and 4.9% within 5 years.

04. Postal Savings Bank

The loan interest rate is 4.35% for six months (including six months), 4.75% for 1-5 years (including five years) and 4.9% for five years.

05. Bank of China

1 year loan interest rate is 4.35%, 1-5-year loan interest rate is 4.75%, and 5-year loan interest rate is 4.9%. Provident fund loans are 2.75% for less than five years and 3.25% for less than five years.

06. China Construction Bank

The loan interest rate within 6 months (including 6 months) is 4.35%; /kloc-the loan interest rate for 0/to 5 years (including 5 years) is 4.75%, and the loan interest rate for 5 years is 4.9%.

The above is the question that the contributor of Bian Xiao answered about "202 1 what are the loan interest rates of major banks? The latest news of mortgage interest rate is 202 1": (Liu Limeng). I wonder if your problem has been solved? If not, the next article may be the answer you want. Let's continue to analyze and answer some questions related to the "2022 Wuzhou first home loan floating interest rate" shared by naturally inspirational users. If you can find your answer, you can pay attention to this website.

Floating interest rate of Wuzhou first home loan in 2022

Contributing user name: It is difficult to give up because of self-motivation. Now Bian Xiao, Shandong Province will analyze the related contents of the mortgage interest rate table of major banks in Wuzhou, Guangxi!

A: Interest rates generally go up by 5% to 20%.

At present, the benchmark interest rate for commercial loans with a loan term of five 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%, which generally rises by 5% to 20%.

For citizens who intend to improve their housing conditions, the state has also made great adjustments in the loan policy. For workers' families who own 1 apartment and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund loans again to buy ordinary self-occupied housing, with the minimum down payment ratio of 30%.

The above is Bian Xiao's answer to the analysis of "Interest Rate Fluctuation of Wuzhou First Home Loan in 2022". Next, I will continue to explain some users' answers about "mortgage interest rates of major banks in Guangxi", hoping to solve your problem!

Mortgage interest rates of major banks in Guangxi

Writer of this article: Cha Shen×, Key words: mortgage interest rate table of major banks in Wuzhou, Guangxi. Let Shandong Bian Xiao answer your questions. I hope this article can find the answer you want!

Answer 1, China Construction Bank

The first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.35%(LPR 170BP).

2. Industrial and Commercial Bank of China

The first interest rate is 5.9%(LPR 125BP), and the second interest rate is 6. 1%(LPR 145BP).

3. Agricultural Bank of China

The first interest rate is 5.8%(LPR 1 15BP), and the second interest rate is 5.95‰(LPR 130BP).

4. Bank of China

The first interest rate is 6.35%(LPR 170BP) and the second interest rate is 6.5%(LPR 150BP).

Extended data:

Overdue mortgage treatment:

If the mortgage is overdue, what the customer has to do is naturally to find ways to pay off the arrears. Otherwise, the adverse effects caused by overdue will become more and more serious, which will not only generate penalty interest, but also record the overdue bad information in the credit report all the time, which will damage personal credit and hinder the subsequent credit business.

Banks may even meet customers. If the customer still refuses to repay the loan after the judgment, it is very likely to enforce it, take back the house and auction it, and then use the auction proceeds to pay off the arrears.

If the customer has no money to pay back, he can borrow money from family and friends around him first, and then consider returning the money to relatives and friends. At least relatives and friends can discuss the repayment time without interest.

In addition, customers can also try to contact the bank for negotiation, explain that they have insufficient repayment ability for the time being, and provide corresponding supporting materials, and then try to apply for an extension of the repayment period and repay the arrears in installments.

Treatment of overdue mortgage:

If the mortgage is overdue, customers are advised to pay off their debts quickly. If the debt can be paid off in time, the bank will take the initiative to withdraw the lawsuit. After that, the customer remembers to repay the remaining mortgage in installments on time according to the repayment plan, and seize the time to repair the credit damaged due to overdue.

If the customer can't repay the debt for the time being, it is suggested to sort out the funds available at hand first, and then pay back as much as possible. As for the remaining unpaid part, customers can try to borrow money from relatives and friends around them to raise repayment funds.

If the situation of insufficient repayment ability cannot be changed in a short period of time and the mortgage cannot be borne, it is suggested that the customer take the initiative to contact the customer service of the bank to explain the situation and provide the corresponding supporting materials, and then try to see if the time limit can be extended and the arrears can be repaid in installments.

If the customer still fails to repay the arrears according to the judgment after accepting and judging, it is likely to be enforced. At that time, I am afraid that the bank card under the customer's name will be frozen, the funds inside will be deducted, and other assets under the name will be auctioned to offset the arrears.

The above is the question about "the mortgage interest rate of major banks in Guangxi" contributed by Bian Xiao, Shandong Province: (Check Shen×). I wonder if your problem has been solved? If not, the next article may be the answer you want. Below, we will continue to analyze and answer some related questions about the latest interest rate of China Bank mortgage interest rate table 2022 shared by users. If you can find your answer, you can pay attention to this website.

China Bank Mortgage Interest Rate Table 2022 Latest Interest Rate

Contributing User Name: It is full of confusion. Now Bian Xiao, Shandong Province will discuss relevant contents with the mortgage interest rate tables of major banks in Wuzhou, Guangxi!

Answer the latest quoted interest rate of LPR: 1 year 3.7%, 5 years 4.6%.

On this basis, banks can float appropriately.

B.b. What is the interest rate of commercial loans in 2022?

The benchmark interest rate of central bank loans: the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one to three years (including three years) is 4.75%, and the loan interest rate for five years is 4.9%. Commercial loans are generally applied through banks, and the interest rate of commercial loans will rise relative to the benchmark interest rate of loans. Each bank has its own interest rate regulations. The specific loan interest rate needs to be comprehensively evaluated in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

1, Industrial and Commercial Bank of China

In 2022, the interest rate of ICBC's short-term loans (within 6 months, including 6 months) was 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one to three years (including three years) is 4.75%, and the loan interest rate for five years is 4.9%.

If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The five-year loan interest rate is 3.25%.

2. Agricultural Bank of China

In 2022, the short-term loan interest rate of China Agricultural Bank (within six months, including six months) was 4.35%; The loan interest rate for one to five years (including five years) is 4.75%, and the five-year loan interest rate is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and below is 3.25%.

3. Central Bank

In 2022, the interest rate of RMB bank loans in China will be 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and below is 3.25%. Pagination title #e#

4. Bank of Communications

In 2022, the loan interest rate of Bank of Communications will be 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for five years.

5. China Construction Bank

In 2022, the short-term loan interest rate of China Construction Bank (within six months, including six months) was 4.35%; The loan interest rate for one to five years (including five years) is 4.75%, and the five-year loan interest rate is 4.9%.

6. Postal Savings Bank

In 2022, the loan interest rate of the Postal Savings Bank (within six months, including six months) was 4.35%; The loan interest rate for one to five years (including five years) is 4.75%, and the five-year loan interest rate is 4.9%.

C.c. List of major banks with mortgage interest rates in 2022

Mortgage rates of major banks:

1, China Construction Bank

The first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.35%(LPR 170BP).

2. Industrial and Commercial Bank of China

The first interest rate is 5.9%(LPR 125BP), and the second interest rate is 6. 1%(LPR 145BP).

3. Agricultural Bank of China

The first interest rate is 5.8%(LPR 1 15BP), and the second interest rate is 5.95‰(LPR 130BP).

4. Bank of China

The first interest rate is 6.35%(LPR 170BP) and the second interest rate is 6.5%(LPR 150BP).

At present, the major banks in China are 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.

The one-year (including one year) interest rate is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; The five-year interest rate is 4.9%; The loan interest rate for using the provident fund for less than five years (including five years) is 2.75%, and the five-year annual interest rate is 3.25%. Pagination title #e#

On February 2, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and 5-year, 4.6%. LPR is valid until the next publication of LPR.

The loan market quotation (LPR) is quoted by the quoting banks according to the open market operating interest rate (mainly referring to the medium-term lending convenience rate), and is calculated by the National Interbank Funding Center to provide pricing reference for bank loans. LPR quotation banks now include 65,438+08 banks. Before 9: 00 on the 20th of each month (postponed in case of holidays), each quotation bank shall submit the quotation to the National Interbank Funding Center in steps of 0.05 percentage point. After excluding the highest and lowest quotations, the National Interbank Funding Center calculates the LPR arithmetically, rounding it to the nearest integer multiple of 0.05%, which will be announced at 9: 30 on the same day, and the public can borrow money from banks nationwide. Now, LPR includes 1 year and 5-year varieties. According to the notice of the central bank, since August 20, 20 19, the quotation rate (LPR) of the loan mall has been calculated according to the quotation of the new composition mechanism.

D.D. Interest rate of first-hand housing loans of banks in 2022

Even different banks have different interest rates on first-hand housing loans in different places.

Interest rates in some cities that restrict the purchase of first-hand houses have also risen.

What is the mortgage interest rate of E.E.2022?

Latest mortgage interest rates of major banks in 2022

Bank first suite implementation interest rate second suite implementation interest rate

China Construction Bank 6.2266.27

Bank of China 6. 1256.37

China Industrial and Commercial Bank 6. 1255.28

China citic bank 6. 1256. 125

China everbright bank 6. 1256.3

Industrial Bank 5.886.86-7.35

Shanghai Pudong Development Bank

Ping An Bank 5.886.37

Agricultural Bank of China 5.886. 125

China guangfa bank 5.886. 12

Minsheng Bank 5.886.09

Bank of Chongqing 5.886. 125

Huaxia Bank 5.886. 125

Postal savings bank 5.786. 125

Bank of Chengdu 5.736.27

Citibank

HSBC

Provident Fund 6-6.2726.22-6.37

The interest rate of the first home loan of 8 banks in the first suite is 5.88%; The interest rate of the first home loan of ICBC, BOC, ICBC and China CITIC Bank is 6. 125%.

Among the relevant banks, Shanghai Pudong Development Bank has the lowest mortgage interest rate, and for very high-quality customers, the lowest interest rate can reach 5.635%. Please note that not everyone can enjoy the lowest interest rate, but depends on the qualifications of the lender, such as occupation, credit information and income.

The account manager of the personal loan department of the business department of Chengdu Branch of China Everbright Bank said that the minimum loan interest rate is 6. 1% for buyers with a loan amount of 500,000 yuan, and the minimum loan interest rate is 6.3% for those below 500,000 yuan.

F. List of bank mortgage interest rates in the first half of 2022

The following is the five-year loan interest rate, which will be slightly different for each bank.

Ping An Bank: The benchmark interest rate for the first home loan is 4.65%, with BP 1.08% raised, and the loan interest rate is 5.

How to calculate the interest on the second home loan?

Interest on the second-home provident fund loan: the annual interest rate for less than five years (including five years) is 3.85%; The annual interest rate for more than five years is 4.40%. At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

Interest on second-home provident fund loans: Bank of China, China Banking Regulatory Commission and Ministry of Housing and Urban-Rural Development jointly issued a document to reduce the down payment ratio of second-home commercial loans from 60% to 40%, and the down payment ratio of first-home provident fund loans to 20%.

If the first home loan has been settled, the down payment ratio of the second home loan will be reduced to 30%. In addition, the Ministry of Finance will also exempt individual commercial housing sales business tax from the previous five years to two years.

Interest rate of second-home commercial loan:

Benchmark interest rate for commercial loans: 5.90%.

In the new mortgage policy, if you have 1 house but the loan has been settled, you can apply for a loan to buy a "second house", and the loan interest rate can be 30% off the benchmark; At present, the house 1 and mortgage are not settled. If you refinance to buy a "second house", the lowest interest rate will go up 10%.

Interest rate of second-home provident fund loan:

Loan term: 3.85% within 5 years (inclusive); More than 5 years, 4.40%.

At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.