What's the interest rate of ICBC's housing loan in 222
ICBC's loan interest rate in 222
1. Short-term loan
6 months (inclusive) 4.75
3 to 5 years (inclusive) 4.75
5 years or more 4.9
2. Annual interest rate of provident fund loan% < Medium-and long-term loans
one to three years (inclusive) 4
Extended information:
Housing mortgage conditions:
Housing mortgage needs to meet the following conditions:
1.
2. Have a stable and legal source of economic income and the ability to repay the loan principal and interest on schedule;
3. Personal credit is good, and there is no bad record in the credit report.
the process of handling mortgage to buy a house loan;
1. After going through relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank, repayment method and other rights and obligations at one time. After examining and confirming that the property buyers meet the conditions of mortgage loans, they will be issued with a loan consent notice or a mortgage loan commitment letter;
2. Buyers can sign the Pre-sale of Commercial Housing with the developer or its agent, requiring buyers to apply for life insurance:
3. Handling mortgage registration, insurance, term, interest rate and sales contract, and choosing real estate;
4. Confirm whether the real estate built by the developer is supported by 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 house buyer;
how is the interest rate of ICBC loan calculated?
the bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status, collateral, national policy (whether it is the first suite or not). If all aspects are well evaluated, the mortgage interest rates implemented by different banks are different. Due to the shortage of funds and other reasons, the loan interest rate for the first suite of some banks is 1.1 times or 1.5 times the benchmark interest rate.
since 218, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, large state-owned banks began to implement preferential interest rates for the first home loan. The maximum interest rate discount of some banks can reach 15%.
The current benchmark interest rate was adjusted and implemented on July 7, 218, and the interest rate is 7.5% for more than five years. After the discount, the monthly interest rate is 7.5% .85/12 < P > 2,, and the monthly repayment amount for 2 years (24 months): < P > 27.5% .85/12 (17.5% .85/12) 24/[(17.5% .85].
preferential policies for the interest rate of the first home loan:
1. The interest rate of the first home loan has generally decreased. The five major state-owned banks generally offer interest rate concessions of 1% to 15%, among which Bank of China, China Construction Bank and ICBC all offer interest rate concessions of 15% (5.61%) for the first suite, and the minimum down payment is 3%; Agricultural Bank of China and Bank of Communications offer a minimum interest rate discount of 1% (5.31%) for the first suite.
second, the new criteria for determining the first suite
(1) if you buy a suite with a loan, and the commercial loan has been settled, you can buy a house with a loan-the first suite is counted.
(2) I bought a suite with a loan, and then sold it. I can't find the property through the house registration system, but I can find the loan record in the bank credit information system, and then I borrow money to buy a house-it is the first suite.
(3) I bought a suite in full, and bought a house with a loan-the first suite.
(4) I bought a suite in full, and then sold it. If the house registration system can't find the property, I will take out a loan to buy a house-the first suite.
(5) There are commercial loan records of two suites in the name of the individual, all of which have been paid off and sold, and at the same time, two sets of certificates of housing sale can be provided. In this case, the first suite is counted when the loan is re-borrowed.
(6) One commercial loan has been paid off, and the other is a provident fund loan that has been sold. At the same time, you can provide proof of the sale of the house, apply for a commercial loan and then buy a house-it is the first suite.
I hope I can help you.
is there a discount on the interest of the mortgage hand suite of Nangong Industrial and Commercial Bank of Hebei Province?
after buying a house, the interest rate on the loan will definitely be discounted all the time. For example, if you get a 15% discount on the loan now, your 15% discount will remain unchanged during the repayment period no matter what the benchmark interest rate of the central bank is. In other words, the benchmark loan interest rate will change according to the adjustment of the central bank, and the discount of the loan interest rate will be implemented for a long time according to the 15% discount signed by the contract.
the bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status, collateral, national policy (whether it is the first home or not). If all aspects are well evaluated, the mortgage interest rates implemented by different banks are different. In 211, due to the shortage of funds and other reasons, the first home loan interest rate of some banks was 1.1 times or 1.5 times the benchmark interest rate.
since 212, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In late March, state-owned banks such as Bank of China, Agricultural Bank of China and ICBC began to implement the first home loan interest rate concessions. Some banks offer big discounts on interest rates up to 15%. The current benchmark interest rate was adjusted and implemented on July 7, 211. The interest rate is 7.5% for more than five years, and the monthly interest rate after preferential treatment is 7.5%.
how to apply for the interest rate discount of the first home mortgage
If you want to enjoy all kinds of taxes, exemptions and loan concessions according to the purchase of the "first home", you must apply by the buyer himself, and submit an application to the real estate transaction in the county where the house is located with the purchase contract and identity documents. The first purchase certificate will be issued within 7 working days from the date of acceptance of each transaction.
many banks began to adjust the preferential interest rate of the first home loan. In some cities, the interest rate of the first home loan was tightened and the loan approval period was extended. The bank mortgage interest rate policy did appear "differentiation", and some banks raised the interest rate of the first home loan from 15% to 1%.
it will affect the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the unpaid part of the loan is also adjusted, which has three forms:
First, after the adjustment of the bank interest rate, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank and China Construction Bank mortgage are like this);
Second, full-year adjustment, that is, the new interest rate will be adjusted and implemented every year after repayment (China Bank mortgage is like this);
3. Both parties agree that the new interest rate level will be implemented in the month after the bank's interest rate adjustment.
Generally, the tightening of loans is mainly aimed at the second-hand housing market. According to the past practice, banks will adjust the loan amount in the fourth quarter according to the completion of this year's task indicators. Especially in the absence of the current RRR reduction, banks may give priority to ensuring the loan demand of large enterprises and development enterprises, and tighten the first home discount.
I borrowed money from ICBC to buy a house for 13 years, and the interest rate is 6.55. Is that high? This year's mortgage is 3% off. What is the algorithm?
Hello, 6.55% is the benchmark interest rate for loans with a term of more than five years stipulated by the central bank. Your mortgage has neither enjoyed preferential discount nor been raised.
As for this year's 3% discount on mortgage loans, it is a guiding document issued by the central bank before the National Day, allowing commercial banks to give preferential interest rates of up to 3% to eligible customers. That is to say, the annual loan interest rate is 6.55%, and the maximum allowable discount is 4.585%
. Specific to commercial banks, whether to offer discounts, when to offer discounts, how much to offer discounts, what regions to offer discounts, whether to cut off old or new customers, and whether to offer discounts to old customers are all in one word, which depends on the new documents issued by ICBC itself. .
Only one word: Let's stop here when
the introduction of ICBC's preferential loan policy for buying a house.