The credit card interest rate of Changsha Bank is mainly divided into consumer interest rate and loan interest rate. Consumer interest rate refers to the interest charged by the bank when consumers spend in the bank. Generally speaking, the consumer interest rate is 18% per year, 1.5% per month, 0.05% per day and 0.002% per hour. The loan interest rate refers to the interest that consumers should pay when banks lend money to consumers. Generally speaking, the loan interest rate is 16% per year,10.3% per month, 0.04% per day and 0.00 17% per hour. Changsha Bank will also adjust the credit card interest rate from time to time with the market changes to meet the needs of consumers.

What is the annual interest rate of Changsha Bank?

Changsha Bank's music installment annual interest rate is divided into the following three types:

Official website information shows that the installment interest rate of Changsha Bank fluctuates according to the benchmark interest rate of central bank loans. At present, the interest rate of installment payment can be divided into short-term loans and medium-and long-term loans according to different time. The interest rate for installment payment is as follows:

1 and 1 4.35% within a year (including one year);

2, 1-5 years (including five years) is 4.75%;

3, more than five years 4.9%.

The above is for reference only, and there is no authoritative data.

There is a house in the field, the first suite in Changsha, and the mortgage interest rate.

The interest rate of the first home loan in Changsha is 5.64%.

1. Recently, the People's Bank of China announced the latest loan interest rate in Changsha, and the loan interest rate for the first and second suites in Changsha was raised by 25 basis points. After adjustment, Changsha housing loan interest rate: the first suite of bank loans: 5.64%, the second suite: 5.88%. The first set of provincial and municipal provident fund loans is 3.25%, and the second suite is 3.575%.

Second, except Changsha, the first suites in Wuhu, Shijiazhuang, Dalian and other places have all increased by more than 20 basis points, and even the interest rate hikes in some big cities have been added to the third round, indicating that the state's financial regulation of real estate is still strengthening, and the general direction of house price regulation will not change. Except that Everbright Bank is slightly lower than the latest loan interest rate of the first suite, other banks are basically in a flat state, and the loan interest rate of the second suite is slightly lower than that of Everbright Bank and China Construction Bank.

III. After the interest rate adjustment, the equal monthly repayment principal and interest will increase by 33,909.75 yuan, and the decreasing monthly repayment principal and interest will increase by 2,565,438+004.17. The cost of Changsha mortgage interest rate increase is still relatively small, and the average monthly repayment is tens of dollars more, which is still within the acceptable range of consumers. Reasons for Changsha mortgage interest rate hike 1. Changsha mortgage interest rate hike is mainly to cooperate with the central bank's real estate regulation. Secondly, rising house prices are also the main reason for raising interest rates, because banks feel that rising house prices are more and more risky. In order to match the risks and benefits, it is necessary to raise the mortgage interest rate. The data shows that in March this year, the price of new houses in 62 of 70 large and medium-sized cities rose month on month. As of May 19, the latest data shows that the average house price in Changsha is1128 yuan, which is 16.5% higher than the same period last year. In the future, the cost of buying a house will only get higher and higher. Friends who have not bought a house should get on the bus quickly. Buying a house is a big deal after all.

The mainstream interest rate of the first home loan in the same city is 5.32%, the interest rate of the second home loan is 5.60%, and the average lending period of the mortgage is 46 days, which is slightly shortened by 4 days from last month, but still higher than the level at the end of 2020. Among them, the current mainstream loan interest rate in Changsha is 5.30%, and the loan interest rate is basically stable, but the lending period is extended.

What is the interest rate of the third home loan in Changsha in 2022?

Changsha Bank said that in 2022, the lowest interest rate of the third home loan in Changsha will be around 4.9%, which may change with the market situation.