Abstract: January 1, 2008, the banks will be uniform implementation of the new mortgage interest rates. The loans "for months" will be as high as a result. 5-year benchmark interest rates above personal loans from the early 2007's 6.84 percent to the current 7.83 percent, and individual housing mortgage loans in the prime rate to 5.81 percent from 6.65 percent.
From January 1 this year, the banks will be uniform implementation of the new mortgage interest rates.
Last year, the central bank raised mortgage rates six times this year, New Year's Day, the loans "for months" will be as high as a result. Many lenders do not know the specific repayment amount this year, the bank staff reminded, in this month loan repayment before Details for repayment, the repayment can also be deposited into the account more than 20 percent of the amount, to avoid further Lack of credit records of the impact of the situation.
Last year, the central bank raising interest rates six times, raising interest rates after more than five-year benchmark interest rate personal loan from the early 2007's 6.84 percent to the current 7.83 percent, and individual housing mortgage loans in the prime rate to 5.81 percent from 6.65 percent.
Most commercial banks, the interest rate the new standards will be January 1 this year started, from January 1, 2008, the loan will be for the new interest rates on interest-bearing, for a corresponding amount on. To 100,000 yuan in 10 equal installments of principal and interest of housing mortgage loans for example, by raising interest rates before the beginning of the benchmark rates, the monthly repayment was 1152.86 yuan, while from January 2008 onwards, the monthly repayment should become 1204.31 yuan , A month after raising interest rates also have to 51.46 yuan.
Reporters from a number of banks that the Jinan Branch, investment, construction, agriculture and the Industrial and Commercial Bank, and other recent can be offered to customers Details single-month repayment, lenders rely on the loan agreement and identity documents, for business to business or branch of the Office This year from the monthly repayment details.
Reference rate personal loan
(Housing consumption as China Merchants Bank lending rate since December 21, 2007 in force)
Term loan interest rate
0-6, (with June) 6.57%
June -1 years (including 1) 7.47%
1-3 years (including three years) 7.56%
3-5 years (including five years) 7.74%
5-30 years (including 30) 7.83%
Note: for the RMB currency loans
China Merchants Bank, fixed-rate housing loans consumer product pricing (comparative table)
(October 15, 2006 in force)
Standards for fixed-term loan interest rate (%) the best lending rate (%) and the People's Bank announced
With the level of interest rates fall
15% of the standard (%)
Minimum of not less than the People's Bank
Announced earlier the same level of benefits
Rates fall 15 per cent of the standard
3 years 3 years 6.30 5.70 5.355
3 to 5 years (including five years) 3 years 6.33 5.82 5.508
5-year 6.84 5.91
More than five years fixed three-year 6.36 5.88 5.814
A fixed five-year fixed: 6.48
Sub-fixed:
Two years before 6.30,
6.63 after three years,
The average interest rate of 6.48. A fixed: 5.97
Sub-fixed:
2 years before 5.91,
After three years, 6.02,
The average interest rate of 5.97.
A fixed 10 fixed: 6.84
Sub-fixed:
The first five years 6.36,
After five years, 7.47,
The average interest rate of 6.84. A fixed: 6.27
Sub-fixed:
The first five years 6.00,
After five years, 6.66,
The average interest rate of 6.27.
From January 1 this year, the banks will be uniform implementation of the new mortgage interest rates.
Last year, the central bank raised mortgage rates six times this year, New Year's Day, the loans "for months" will be as high as a result. Many lenders do not know the specific repayment amount this year, the bank staff reminded, in this month loan repayment before Details for repayment, the repayment can also be deposited into the account more than 20 percent of the amount, to avoid further Lack of credit records of the impact of the situation.
Last year, the central bank raising interest rates six times, raising interest rates after more than five-year benchmark interest rate personal loan from the early 2007's 6.84 percent to the current 7.83 percent, and individual housing mortgage loans in the prime rate to 5.81 percent from 6.65 percent.
Most commercial banks, the interest rate the new standards will be January 1 this year started, from January 1, 2008, the loan will be for the new interest rates on interest-bearing, for a corresponding amount on. To 100,000 yuan in 10 equal installments of principal and interest of housing mortgage loans for example, by raising interest rates before the beginning of the benchmark rates, the monthly repayment was 1152.86 yuan, while from January 2008 onwards, the monthly repayment should become 1204.31 yuan , A month after raising interest rates also have to 51.46 yuan.
Reporters from a number of banks that the Jinan Branch, investment, construction, agriculture and the Industrial and Commercial Bank, and other recent can be offered to customers Details single-month repayment, lenders rely on the loan agreement and identity documents, for business to business or branch of the Office This year from the monthly repayment details.
Reference rate personal loan
(Housing consumption as China Merchants Bank lending rate since December 21, 2007 in force)
Term loan interest rate
0-6, (with June) 6.57%
June -1 years (including 1) 7.47%
1-3 years (including three years) 7.56%
3-5 years (including five years) 7.74%
5-30 years (including 30) 7.83%
Note: for the RMB currency loans
China Merchants Bank, fixed-rate housing loans consumer product pricing (comparative table)
(October 15, 2006 in force)
Standards for fixed-term loan interest rate (%) the best lending rate (%) and the People's Bank announced
With the level of interest rates fall
15% of the standard (%)
Minimum of not less than the People's Bank
Announced earlier the same level of benefits
Rates fall 15 per cent of the standard
3 years 3 years 6.30 5.70 5.355
3 to 5 years (including five years) 3 years 6.33 5.82 5.508
5-year 6.84 5.91
More than five years fixed three-year 6.36 5.88 5.814
A fixed five-year fixed: 6.48
Sub-fixed:
Two years before 6.30,
6.63 after three years,
The average interest rate of 6.48. A fixed: 5.97
Sub-fixed:
2 years before 5.91,
After three years, 6.02,
The average interest rate of 5.97.
A fixed 10 fixed: 6.84
Sub-fixed:
The first five years 6.36,
After five years, 7.47,
The average interest rate of 6.84. A fixed: 6.27
Sub-fixed:
The first five years 6.00,
After five years, 6.66,
The average interest rate of 6.27.
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