First, the interest rates of various countries
The interest rates of developed countries: Denmark: -.5%, Japan: 1.41%, Finland: 1.48%, Switzerland: 1.61%, Slovakia: 1.65%, France: 1.69%, Germany: 1.89%, China and Taiwan Province. The interest rates in developing countries are: Argentina: 39.31%, Turkey: 21.82%, Vietnam: 6%, Thailand: 5.75%, Malaysia: 4.8%: 1. What is the down payment ratio of mortgage? The down payment ratio of the first mortgage suite is 2%-3%, the down payment ratio of the second mortgage suite is 5%-7%, and the execution interest rate is 1.1 times of the benchmark interest rate. The down payment ratio will be different in different regions. The mortgage number, actual mortgage interest rate, mortgage percentage and mortgage life of the first-hand house are subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 3%, and the benchmark interest rate is implemented; The down payment of the second home loan is not less than 6%, and the benchmark interest rate is raised by 1%; The third suite is not allowed to buy a house with the current loan. When buying a new house and a second-hand house, the calculation of the loan down payment is quite different. When handling a new house loan, the down payment is based on the market price at the time of purchase, and the loan ratio is determined according to the number of personal loans and the credibility of personal loans. 2, provident fund loans to families, if it is the first time to buy a house, you can borrow 8% of the housing evaluation price (within 9 square meters, more than 9 square meters is 7%). Note: If the provident fund is not rated, you can only borrow 8, yuan at most, but it depends on the amount and proportion of your provident fund deposit. Calculation method of down payment for the first suite: down payment = total house price-customer loan amount = contract price (market price) ×8% (the first loan amount can be up to 8%). Generally speaking, according to the existing implementation standards for the first suite, the down payment ratio of commercial loans for new houses is 3%, the down payment ratio of provident fund loans for the first suite is less than 9%, and the down payment ratio of provident fund loans for houses above 9% should not be less than 2%.
second, what is the mortgage interest rate in 22?
In 22
, the benchmark interest rate of central bank loans will still be implemented for provident fund housing loans. Among the benchmark interest rates set by the central bank, the provident fund loans are: less than five years (including five years): 2.75%; More than five years: 3.25%.
as for the commercial housing loan interest rate, it is formed by adding the LPR of the corresponding period in the latest month as the pricing benchmark (the adding point can be negative).
LPR will be re-priced every month, as in 22: one year: 3.85%; More than 5 years: 4.65
With regard to the base point, different regions and different banks have different regulations. Like the announcement issued by the central bank, it is mentioned that the loan interest rate cannot be lower than the corresponding term LPR；; The interest rate of the second set of personal commercial housing loans cannot be lower than the corresponding term LP
. In Beijing, the mortgage policy stipulates that the lowest interest rate of the first set of commercial personal housing loans is LP, and the lowest interest rate of personal housing loans is LPR plus 15 basis points.
taking Beijing as an example, when customers apply for commercial loans, it is 4.65%.55% (one basis point is equal to .1%)=5.2%.
interest rate refers to the ratio of gold) in a certain period of time. Interest rate is the main factor that determines the capital cost of enterprises, and it is also a must for the study of enterprise financial environment.
interest rate refers to the amount of interest due in each period of loan (amount) and the par value interest depend on the total principal, interest rate, frequency of compound interest, and the length of time of lending, deposit or borrowing.
the interest rate is the return that the borrower gets by lending it to its lender to delay its consumption. The interest rate is usually calculated as a percentage of one-year interest to principal.
in terms of expression, interest rate refers to the ratio of interest amount to total loan capital in a certain period. Interest rate is the interest level of unit currency in unit time, and the table is devoted to finding a set of complete. Interest rates are usually controlled by the country's central bank and managed by the Federal Reserve in the United States. Up to now, all countries view one of the important tools of economic regulation.
When interest rates are high and credit is tightened; When the overheated economy and inflation are under control, interest rates will be lowered appropriately. Therefore, interest rate is one of the important basic economic factors. Interest rate is an important financial variable in economics, and almost all financial phenomena are more or less related.
At present, countries all over the world frequently use interest rate leverage to implement macro-control, and interest rate policy has become a major central bank that further regulates the economy and plays an increasingly important role in monetary policy.
Interest rates are also used to control, for example, investment, inflation and unemployment rate, which in turn affects economic growth. Reasonable interest rate is of great significance to the economic leverage of social credit and interest rate.
during the depression, reduce the interest rate, expand the money supply, and develop the economy. In the period of inflation, increase interest rate, reduce money supply, and curb the vicious development of the economy. Therefore, interest rates have a great impact on our lives.
Third, what is the current mortgage interest rate in the United States
There are many factors that affect a person's mortgage interest rate, mainly including
(1) a credit score of 75 is the best, and there is no bad record.
(2) is the number of loan years. There are 3-year, 2-year and 15-year mortgages in the United States. Generally, the lower the number of years, the better the interest rate. If you choose a 3-year mortgage, the interest rate should be around 3.5%.
(3) Fixed interest rate or floating interest rate, usually floating interest rate is better than fixed interest rate. Floating interest rate can be divided into three years, five years, seven years or ten years. If it floats for five years, you can get an interest rate of about 2.65% in the first five years. However, because the interest rate of mortgage in the United States is very low at present, the weak advantage in the first five years will be easily offset in the long run, and it is more cost-effective to borrow with fixed interest rate.
(4) Other factors, such as new self-occupied housing, not refinance, down payment exceeding 2%, etc.
4. What is the mortgage interest rate of CCB?
commercial loan interest rate:
short-term loans, within one year (including one year), with an annual interest rate of 4.35%.
medium and long-term loans, 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; For more than 5 years, the annual interest rate is 4.9%.
2. Interest rate of individual housing provident fund loan: less than 5 years (including 5 years), with an annual interest rate of 2.75%; For more than 5 years, the annual interest rate is 3.25%.