Guangzhou loan interest rate 2023

Based on the interest rate adjustment of 202 1, 65438+February 3 1 central bank, the mortgage interest rate will be reduced to 4% in 2023, and the house will be re-priced.

The latest mortgage interest rates in 2022 are as follows: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, 2.75% for housing provident fund loans for less than five years (including five years) and 3.25% for more than five years.

Assuming that the housing loan cost is 200,000 yuan and the loan principal will remain unchanged for 20 years, lpr floating interest rate pricing is selected, and 0. 1% is fixed. In 2022, the housing loan interest rate was 4.75%.

The annual repricing number is 65438+1 month 1, as follows:1. If the interest rate of the upgraded lpr over five years is 4.3% on February 20, 2022, the interest rate of the newly-increased housing loan after the repricing of 65438+ 10/in June 2023 is 4.3%. 2. The mortgage interest rate is 4.75% in 2022, and the monthly mortgage repayment is 1, 292.45 yuan. In 2023, the new interest rate is 4.4%, and the monthly payment is 1254.53 yuan, and the monthly payment is reduced by 37.92 yuan.

Second, the latest adjustment news of central bank interest rate 2023?

The latest news query of the central bank's bank loan interest rate 2023

According to the regulations of the People's Bank of China on lowering the interest rate of the first set of personal housing provident fund loans, the interest rate of the first set of personal housing provident fund loans will be lowered by 0. 15 percentage points in 2023, and the interest rate of the first set of personal housing provident fund loans for less than five years (including five years) will be adjusted from 2.75% to 2.6%, and the interest rate of the second set of personal housing provident fund loans will be adjusted from 3.25% for more than five years.

The interest rate of the first individual housing provident fund loan issued after June 65438+1October 65438+1October (inclusive) in 2023 is adjusted.

For the first set of unexpired individual housing provident fund loans issued before June 65438+1 October 1 in 2023, the interest rate of the second set of individual housing provident fund loans will remain unchanged from June 65438+1October/in 2023.

It is also known that on the evening of September 29, the central bank and the China Banking Regulatory Commission issued a notice that before the end of 2023, in cities where the price of new houses continued to decline from June to August, local governments could decide to maintain, lower or cancel the lower limit of the first home loan interest rate. Previously, the interest rate of the first home loan implemented in various places was 5-year LPR(4.3%)-20bp, that is, the lower limits of interest rates for less than 5 years and more than 5 years were 4. 1% and 4.9% respectively.

Third, bank interest rate adjustment.

Interest rates have been adjusted twice this year. The first time was February 9, and the second time was April 6.

Adjustment of RMB deposit interest rate table 20 1 1-2-9

Project annual interest rate (%) 1. Urban and rural residents and units deposits (1) current deposits 0.40 (2) time deposits 1. One-time deposit for three months 2.60 six months 2.80 one year 3.00 two years 3.90 three years 4.50 five years 5.002. One deposit, one withdrawal, one-year principal interest withdrawal for three years 2.60 2. Agreement deposit 1.2 1 3. Notice deposit 0.85 for seven days a day 1.39 RMB deposit interest rate table 20 1 1-4-6 latest interest rate adjustment.

1. urban and rural residents and unit deposits (1) current deposits 0.50 (2) time deposits 1. One-time deposit for three months and half a year 2.85 one year 3.05 two years 3.25 three years 4. 15 five years 4.75 5.252. Deposit in lump sum and withdrawal in lump sum, deposit in principal and interest in lump sum for one year 2.85 three years 3.05 five years. Agreement deposit 1.3 1 3. Notice deposit is 0.95 for one day and 7 days 1.49 for four days. Table of deposit interest rates of major banks in 2023.

Interest rate after adjustment in interest rate adjustment tables of major banks in 2023 (%) I. Deposits of urban and rural residents and enterprises (I) Current deposits of 0.35 (II) Lump sum deposit and withdrawal of time deposits-three months12. 10/half a year 1.30 one year 1.50 two years 2 4.75 more than five years 4.90 three. Personal housing provident fund loans for less than five years (including five years) 2.75 for more than five years 3.2565438+ 10. List of the latest deposit interest rates of major banks after the interest rate cut on October 24th and RRR. More related contents _ CBRC, how long will it take to draft interest relief? Bank operating income ftp Agricultural Development Bank bond interest income tax exemption policy In 2023, the central bank loan interest rate dropped several times. How to calculate the credit card interest of Bank of Communications in 2023? 2023 Interest on Bank Deposits 2023 10 Issue Time and Interest of National Debt 2023 10 Issue Time and Interest Rate of National Debt 2023 Interest of Major Banks in China 2023 Full Notice of the Regulations on Bank Interest Deposit Insurance 2023. The marketing target of deposits is bank loans. The lender hopes that the deposit bank can learn from the deposit experience, the deposit of financial institutions and its interest, and the location of the bank is the location of the real estate; Bank deposit marketing method Power of Attorney for opening a general deposit account with official seal issued by the legal person, Shenzhen Bank account manager, deposit requirements