本文目录一览:
- 1、买房贷款的利率是多少
- 2、现在购房贷款利率是多少
- 3、买房贷款利率?
- 4、买房贷款利率是多少
买房贷款的利率是多少
买房贷款的利率一般在人民银行贷款基准利率基础上有所浮动,银行一般参考申请人的还款能力、个人信用等资质后,与申请人商议具体利率水平。
人民银行贷款基准利率如下:
1、一年期利率为4.35%;
2、一年到五年期利率为4.75%;
3、五年以上利率为4.90%;
4、公积金贷款五年以内利率为3.25%;
5、公积金贷款五年以上利率为3.75%。
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现在购房贷款利率是多少
请您登录中国银行官方网站(),点击首页中间右侧的“金融数据 ”-“ 存/贷款利率 ”,根据币种选择“贷款利率表”进行查询。各贷款产品利率会有差异,如需进一步了解,请您详询中行当地网点。
以上内容供您参考,业务规定请以实际为准。
如有疑问,欢迎咨询中国银行在线 *** 。
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买房贷款利率?
2021年的买房贷款利率主要是:
1.个人商业性住房贷款:
以相应期限的LPR为定价基准加点形成。而LPR每月都会重新报价,不同地区、不同银行,规定的基点数也会有所不同。像央行有发布公告:首套个人商业性住房贷款利率不得低于相应期限LPR,二套个人商业性住房贷款利率不得低于相应期限LPR加60个基点(一个基点等于0.01%)。
因各地政策不同,具体可咨询当地分行。比如北京地区就规定:首套个人商业性住房贷款利率更低为相应期限LPR加55个基点,二套个人商业性住房贷款利率更低为相应期限LPR加105个基点。
至于LPR,2021年5月报价是:1年期为3.85%,5年期以上为4.65%。
2.个人住房公积金贷款:
执行央行贷款基准利率。而在央行贷款基准利率当中,公积金贷款是:五年以下(含五年)的年利率为2.75%;五年以上的年利率为3.25%。而二套公积金贷款利率一般按同期住房公积金贷款基准利率的1.1倍执行。
买房贷款利率是多少
; 买房贷款利率按照央行贷款基准利率浮动得到,浮动比例在0.5到2个百分点,央行贷款基准利率是:
一、贷款基准利率。
1、贷款一年以内(含一年),利率是4.35%。
2、贷款一至五年(含五年),利率是4.75%。
3、贷款五年以上,利率是4.90%。
二、公积金贷款基准利率。
1、五年以下(含五年),利率是2.75%。
2、五年以上,利率是3.25%。
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