China Construction Bank loan interest rate:
202 1: 1. Short-term loan: 4.35% for one year (including one year). 2. Medium and long-term loans: 4.75% for one year to five years (including five years). 3. More than five years: 4.9%. 4 individual housing provident fund loans for less than five years (including five years) 2.75%, more than five years 3.25%. 5. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
In 2020: the loan term is within 1 year, and the annual interest rate is 4.35%; Medium-and long-term loans: loan term 1-5 years, with annual interest rate of 4.75%; The term is more than 5 years and the annual interest rate is 4.90%. ; Personal housing provident fund loan: the term is within 1-5 years, and the annual interest rate is 2.75%; The term is more than five years and the annual interest rate is 3.25%.
What is the mortgage interest rate of China Construction Bank in 2022?
China Construction Bank mortgage interest rate in 2022:
short-term loan
Within six months (including six months): 4.35%
Half a year to one year (including one year): 4.35%
medium and long term loans
One year to three years (including three years): 4.75%
Three to five years (including five years): 4.75%
More than five years: 4.90%
personal housing accumulation fund loan
Less than five years (including five years): 2.75%
More than five years: 3.25%
Extended data:
Mortgage interest rate:
If the mortgage handled by the customer belongs to the provident fund loan, the interest rate is low. Because individual housing provident fund loans are based on the benchmark interest rate of central bank loans, among the benchmark interest rates published by the People's Bank of China, the annual interest rate of provident fund loans for more than five years is 3.25% (the interest rate of second housing provident fund loans is 1. 1 times of the benchmark interest rate).
If the mortgage the customer handles is a commercial loan, the interest rate will be much higher. After all, the commercial loan interest rate of individual housing is formed by adding the LPR of the corresponding period as the pricing benchmark, in which the LPR quotation has reached: 4.65% for more than five years, and with the basis point stipulated by the bank, it is naturally higher.
But the interest rate of most commercial loans is around 5%, which is reasonable.
It should be noted that the interest rate is estimated to be higher if you buy a second home with a commercial loan. If it reaches more than 6%, or even 7%, it will not be low. However, interest rates cannot be artificially interfered. Customers can consider more banks when handling mortgage loans, and choose the one with relatively low interest rate to apply.
Analysis of the influence of the increase of mortgage interest rate on mortgage;
If a customer applies for a personal housing provident fund loan, the benchmark interest rate of the central bank loan shall be implemented. As long as the central bank does not adjust the benchmark loan interest rate in the subsequent loan period, the customer's mortgage interest rate will remain basically unchanged; Of course, if the central bank adjusts, the customer's mortgage will naturally implement the adjusted new interest rate from 1 in the following year.
If a customer applies for a personal commercial housing loan, the choice of fixed interest rate or floating interest rate mainly depends on the customer's own needs, and the customer can choose by himself.
Commercial loans are formed by adding points on the basis of the corresponding term LPR (the basis point remains unchanged once determined). If you choose a fixed interest rate, the customer's mortgage interest rate will not change no matter how the LPR price changes. If the floating interest rate is chosen, the mortgage will have a re-pricing cycle. On each repricing day, the designated basis point is calculated according to the latest LPR quotation, and a new interest rate is obtained, which will be implemented in the next cycle.
Customers can choose fixed interest rate or floating interest rate according to their own judgment on the future trend of LPR. If they think that LPR may decline in the future, they can choose floating interest rates. After the LPR really drops, the customer's mortgage interest rate will also drop.
China Construction Bank loan interest rate
Benchmark interest rate of CCB loans in 2020:
1, short-term loans:
(1) Annual interest rate within one year (including one year): 4.35%.
2. Medium and long-term payment:
(1) The annual interest rate is from one year to five years (inclusive): 4.75%.
(2) Annual interest rate for more than five years: 4.90%.
3, personal housing provident fund loans:
1, annual interest rate for less than five years (including five years): 2.75%.
2. Annual interest rate for more than five years: 3.25%.
Extended data:
The calculation formula of mortgage repayment method is divided into two types:
1, calculation formula of equal principal and interest:
Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment will decrease with the decrease of residual principal, and the proportion of principal in monthly payment will increase with the increase, but the total monthly payment will remain unchanged.
It should be pointed out that:
(1) The maximum amount of urban provident fund loans should be combined with local conditions.
(two) for residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for a second set of ordinary self-occupied housing, the preferential policy of purchasing ordinary self-occupied housing with the first loan shall be implemented mutatis mutandis.
2, the average capital calculation formula:
Monthly repayment = monthly principal, monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.