Since 20 15, 10124, the central bank's benchmark interest rate has not changed, as follows:
1, the benchmark interest rate of commercial mortgage.
(1) Within one year, the interest rate is 4.35%.
(2) The loan term is one to five years and the interest rate is 4.75%.
(3) If the loan term exceeds five years, the interest rate is 4.90%.
2. benchmark interest rate of provident fund mortgage.
(1) The loan is within 5 years, and the interest rate is 2.75%.
(2) If the loan is over 5 years, the interest rate is 3.25%.
Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
Personal housing loans mainly have the following three loan forms:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low;
On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.
(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Processing flow:
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB conducts loan approval.
4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.
What's the mortgage interest rate?
The mortgage interest rate is the housing provident fund loan interest rate: 1-5 interest rate 2.75%, 6-30 interest rate 3.25%; Benchmark interest rate of commercial bank loans: 1 annual interest rate: 4.35%, 1-3 annual interest rate:
4.75%, 3-5 year annual interest rate: 4.75%, 6-25 year annual interest rate: 4.90%. Generally speaking, mortgage loan is "mortgage", and mortgage interest rate is divided into provident fund loan interest rate and commercial loan interest rate.
Mortgage loan processing program
The specific procedures for property buyers to apply for real estate mortgage are as follows:
(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.
(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
(6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.
What needs to be clear is that the mortgage interest rate is not fixed. Under the premise of the national benchmark interest rate, it is legal for local governments to float reasonably according to the actual situation of local mortgage loans to adapt to the improvement of economic development level. It should be noted that the interest rate of commercial loans is much higher than that of provident fund loans, so it is recommended to use provident fund loans.
23-year commercial loan interest rate for new houses
ICBC commercial mortgage interest rate
1. Commercial loans: the benchmark loan interest rate for loans within one year (including one year) is 4.35%, and that for ICBC is 4.86%. The loan term is 1~5 years (including five years). The benchmark loan interest rate is 4.75%, and the actual loan interest rate of ICBC is about 5.40%.
I. ICBC's commercial mortgage interest rate
1. Commercial loans: 4.35% for loans with benchmark interest rate within one year (including one year), 4.86% for ICBC, and 4.75% for loans with loan life of 1~5 years (including five years). The actual loan interest rate of ICBC is about 5.40%. Loans for more than five years are long-term loans, and the benchmark interest rate for loans is 4.
2. Provident fund loans: the loan interest rate for loans with a loan term of less than 5 years (including 5 years) is 2.75%, and the loan interest rate for loans with a loan term of more than 5 years is 3.25%.
Second, the process of handling loans in mortgage to buy a house;
1. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time, the repayment method and other rights and obligations. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
2. Property buyers can sign the "Pre-sale of Commercial Housing, Requiring Property Buyers to Handle Personal Insurance" with the developer or his agent;
3. Handling mortgage registration, insurance, term, interest rate, sales contract, and choosing real estate;
4. Confirm whether the real estate built by the developer has the support of the bank to ensure the smooth acquisition of mortgage loans, and the bank should guard against loan risks;
5. Under normal circumstances, because the mortgage loan period is relatively long, apply for a mortgage loan;
6. Sign a house purchase contract as the purchase price of the buyer;
Recommended reading:
1, local affairs inquiry, handling, guide
2, people's livelihood hotspots recommended (housing, transportation, medical care, social security, education, employment, household registration)
The above information is about "What is the loan interest rate of Anhui Linquan ICBC-Linquan Commercial Loan Interest Rate". Please pay attention to more knowledge: check a letter.
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How to calculate the interest on mortgage loan?
There are two methods to calculate the interest of housing loans, namely, the equal principal and interest method and the average capital method. When the interest is calculated by the equal principal and interest method, the interest is equal to the monthly repayment amount multiplied by the number of loan months and then the principal is subtracted; When calculating interest by the average capital method, the interest is equal to the principal multiplied by the monthly interest rate and then multiplied by half of the loan months. Lenders can choose the repayment calculation method according to their own needs.
What is the general interest rate for commercial housing loans?
The general commercial housing loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after approval by the handling outlets, but the age must be a natural person aged 18-65.
At present, PBOC has announced that the benchmark annual interest rate for loans is:
1, 0-6 months (inclusive), annual interest rate: 4.35%;
2.6 months-1 year (inclusive), with an annual interest rate of 4.35%;
3. 1-3 years (including 3 years), with annual interest rate of 4.75%;
4.3-5 years (including 5 years) with an annual interest rate of 4.75%;
5, 5-30 years (including 30 years), annual interest rate: 4.90%.
The conditions for applying for commercial housing loans must meet the following four requirements:
1, 18 to 65 years old natural person;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan.