Shenzhen loan interest rate table

Whether the bank's loan interest rate is high or low is related to how much interest users have to pay. Users should carefully choose the loan interest rate and loan life. The longer the loan period, the higher the interest they have to pay. When making a loan, they should also carefully check the contents of the loan contract. The following is a list of 202 1 bank loan interest rates.

202 1 bank loan interest rate

1. central bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4.75% for 3 to 5 years (including 3 years).

2. ICBC: the interest rate is 4.35% for six months (including six shipping months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).

3. Agricultural Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years;

4. China Construction Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).

5. Bank of China: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

6. Bank of Communications: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

7. China Merchants Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

8. China CITIC Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above;

9. Everbright Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above;

10, Shanghai Pudong Development Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years) and 4.9% for three to five years (including five years).

1 1, deep development: 6 months (including 6 months) interest rate 5.6%, 6 months to 1 year (including 1 year) interest rate 6. 15%, 3 to 5 years (including 5 years) interest rate 6.4.

12, Ping An Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

13, China guangfa bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), and 4.75% for 1 to 3 years (including 3 years), 3 to 5.

14, Huaxia Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

15, Minsheng bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

16, Industrial Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

17, Bank of East Asia: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 3 to 5 years.

18, Bank of Beijing: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 3 to 5 years.

19, China Postal Savings Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years) and 4.9 for three to five years (including five years).

20. Dezhou Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).

2 1. Shengjing bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9 for five years and above.

22. Guiyang Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one year to three years (including three years), 4.75% for three years to five years (including five years) and 4.9% for five years and above;

23. Dandong Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).

24. Harbin Bank: the interest rate is 4.6% for 6 months (including 6 months), 4.6% for 6 months to 1 year (including 1 year), 5% for 1 to 3 years (including 3 years), 5% for 3 to 5 years (including 5 years).

25. bank of luoyang: the interest rate is 4.35% for six months (including six months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).

This article mainly focuses on the knowledge points of the 202 1 bank loan interest rate list, and the content is for reference only.

Shenzhen mortgage interest rate

On May 15, the central bank and the China Banking Regulatory Commission released the latest news: for households who purchase ordinary self-occupied houses with loans, the lower limit of the commercial personal housing loan interest rate for the first set of housing is adjusted to not less than the quoted interest rate in the loan market minus 20 basis points. According to the latest (i.e. April 2022) LPR, the price is 4.6% for more than 5 years, that is, the interest rate of the first home loan is not lower than 4.6%.

Latest mortgage interest rate in 2022 (list of loan interest rates for first and second homes)

Shenzhen big money

Latest mortgage interest rate in 2022 (list of loan interest rates for first and second homes)

The latest loan market quoted interest rate (LPR) in 2022 is: 1 year, 3.7%, and 5-year and above, 4.6%.

According to the monitoring data of mortgage interest rates in 42 key cities in China, the average interest rate of the first home loan in China was 5.33%, up 2 BP from the previous month. The average interest rate of the second home loan was 5.6 1%, up 2BP from the previous month. (BP refers to the BasisPoint(BP) used in finance, and 1BP is equal to 1 percentage point, that is, 0.0 1%, so 100BP is equal to 1%. )

What is the interest rate of the first home loan in Shenzhen?

Shenzhen is a first-tier city, and the house price is naturally not low. It is difficult to buy a house in full, so most people choose to borrow money to buy a house. So what is the interest rate of the first home loan in Shenzhen, and what is the down payment for buying a house in Shenzhen? Do you know that?/You know what? Now let's have a look.

First, Shenzhen first home loan interest rate

During the period of 65438+ 10 this year, the interest rate of the first home loan in Shenzhen was 5.7 1%, which was as much as 1. 16 times higher than the benchmark interest rate and nearly 0. 18% higher than that in September. In addition, it is reported that the mortgage interest rate of some banks in Shenzhen has changed from 20% to 15%, and the loan review speed has accelerated, which is about 1 week.

Second, how much is the down payment for buying a house in Shenzhen?

1. When buying a house in Shenzhen, the down payment of the house cannot be less than 30% of the total value of the house. For example, a 2 million house with a down payment of 600,000. Of course, if you buy a second house, the down payment should not be less than 50% of the total house price, that is, you need to pay 654.38+00,000 yuan.

2. If you buy a new house, you need to calculate the down payment according to a certain proportion and the amount of the loan, but buying a second-hand house is different. Buyers can negotiate the amount of the down payment with the owner, generally as long as it is not lower than the specified proportion.

3. Some developers, in order to sell their houses faster, will give certain discounts on the down payment. For example, the government will stipulate that the down payment needs to be 30% of the total house price. At this time, although the developer will also stipulate to pay 30% down payment, the developer will also give some concessions.

4. For example, for a house worth 2 million yuan, the government stipulates that 30% of 2 million yuan needs to be paid down, which is 600,000 yuan. Then, in order to attract more consumers, the developer will let consumers pay 20% down payment first, and the remaining 10% down payment will be paid by the developer, giving consumers 1 year time to deliver slowly, alleviating the pressure on consumers.

What is the interest rate of the first home loan in Shenzhen, and what is the down payment for buying a house in Shenzhen? I'll introduce you here first. You got it? With the reorganization of housing policy in Shenzhen, the interest rate of the first home loan is also changing. It is expected that the loan interest rate will be slightly adjusted back next year.

2022 Shenzhen first home loan interest rate

Hello, the interest rate of the first home loan in Shenzhen in 2022 depends on your credit situation and your loan amount. Generally speaking, the interest rate of the first home loan in Shenzhen is between 4.9% and 5.9%, and the specific interest rate can be different according to your credit situation and loan amount. In addition, the interest rate of the first home loan in Shenzhen can also be different according to your loan term. The longer the loan term, the lower the interest rate. In addition, the interest rate of the first home loan in Shenzhen can also be different according to your lending institution, and different lending institutions may offer different interest rates. So you can determine your first home loan interest rate in Shenzhen according to your credit situation, loan amount, loan term and lending institution.

List of bank loan interest rates in 2022

The central bank will formulate major policies every year and will also liberalize the benchmark interest rate for deposits and loans. The major banks only use this as a reference to formulate new loan interest rates in combination with their respective banks' conditions. All, different banks have different loan interest rates. The following is a list of bank loan interest rates in 2022.

Bank loan interest rate table 2022

1. central bank: the interest rate is 4.35% for six months (including six months of bright study), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

2. ICBC: the interest rate is 4.35% for six months (including six months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).

3. Agricultural Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

4. China Construction Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).

5. Bank of China: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

6. Bank of Communications: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

7. China Merchants Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

8. China CITIC Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).

9. China Everbright Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

10, Shanghai Pudong Development Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years) and 4.9% for three to five years (including five years).

1 1, deep development: 6 months (including 6 months) interest rate 5.6%, 6 months to 1 year (including 1 year) interest rate 6. 15%, 3 to 5 years (including 5 years) interest rate 6.4.

12, Ping An Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

13, China guangfa bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.

14, Huaxia Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

15, Minsheng bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

16, Industrial Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

17, Bank of East Asia: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 3 to 5 years.

18, Bank of Beijing: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 3 to 5 years.

19, China Postal Savings Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years) and 4.9 for three to five years (including five years).

20. Dezhou Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).

This article mainly focuses on the knowledge points of the list of bank loan interest rates in 2022, and the content is for reference only.

The introduction of Shenzhen loan interest rate table ends here.