专业团队

摘要：

房屋抵押银行贷款利率是多少，该怎么计算，对被抵押的房屋的要求又有哪些?办理房屋抵押银行贷款的房屋是需要产权要明晰，符合国家规定的上市交易的条件，可进入房地产市场流通的。

房屋抵押银行贷款利率——金额期限

1、商品住宅的抵押率最高可达 70% ;

2、写字楼和商铺的抵押率最高可达 60% ;

3、工业厂房的抵押率最高可达 50% ;

4、最长期限可达30年;抵押包括商铺、办公楼、住宅、别墅、厂房、仓库等等

房屋抵押银行贷款利率——贷款利率

贷款期限为5年以下(含5年)的：贷款年利率为4.77%;贷款期限为5年以上的，贷款年利率为5.04%(按各地政府实际情况定)。

中国人民银行决定，自2010年10月20日起上调金融机构人民币存贷款基准利率。 　金融机构一年期存款基准利率上调0.25个百分点，由现行的2.25%提高到2.50%;一年期贷款基准利率上调0.25个百分点，由现行的5.31%提高到5.56%;其他各档次存贷款基准利率据此相应调整。

利率浮动

按现行规定，城乡信用社贷款利率浮动上限为基准利率的2.3倍，下限为基准利率的0.9倍。其他金融机构的人民币贷款利率上限放开，浮动下限为基准利率的0.9倍。

央行及银监会发布的《关于完善差别化住房信贷政策有关问题的通知》中，明确表示各商业银行要加强对消费性贷款的管理，禁止用于购买住房。在系列监管“重锤”下各行对个人消费贷款都收紧了审核标准。一位股份制银行广州分行行长对记者表示，该行房产抵押贷款利率上浮已达20%，预计其他银行贷款利率都将酝酿上调。

四大行对房产抵押贷款利率为基准水平上浮15%，而部分股份制银行为基准利率上浮10%。但已有股份制银行个贷客户经理对记者表示，上浮10%水平的贷款已很难申请。央行年底加息，房贷的按揭利率已经相应上浮0.25个基点，而多位银行个贷人士称，预计今年个人消费贷款的利率水平还会进一步提升，客户贷款成本与加息前比或将再上升10%。

利息计算的基本常识

(一)人民币业务的利率换算公式为(注：存贷通用)：

1.日利率(0/000)=年利率(%)÷360=月利率(‰)÷30

2.月利率(‰)=年利率(%)÷12

(二)银行可采用积数计息法和逐笔计息法计算利息。

1.积数计息法按实际天数每日累计账户余额，以累计积数乘以日利率计算利息。计息公式为：

利息=累计计息积数×日利率，其中累计计息积数=每日余额合计数。

2.逐笔计息法按预先确定的计息公式利息=本金×利率×贷款期限逐笔计算利息，具体有三：

计息期为整年(月)的，计息公式为：

①利息=本金×年(月)数×年(月)利率

计息期有整年(月)又有零头天数的，计息公式为：

②利息=本金×年(月)数×年(月)利率+本金×零头天数×日利率

同时，银行可选择将计息期全部化为实际天数计算利息，即每年为365天(闰年366天)，每月为当月公历实际天数，计息公式为：

③利息=本金×实际天数×日利率

这三个计算公式实质相同，但由于利率换算中一年只作360天，但实际按日利率计算时，一年将作365天计算，得出的结果会稍有偏差。具体采用那一个公式计算，央行赋予了金融机构自主选择的权利。因此，当事人和金融机构可以就此在合同中约定。

(三)复利：复利即对利息按一定的利率加收利息。按照央行的规定，借款方未按照合同约定的时间偿还利息的，就要加收复利。

(四)罚息：贷款人未按规定期限归还银行贷款,银行按与当事人签订的合同对失约人的处罚利息叫银行罚息。

(五)贷款逾期违约金：性质与罚息相同，对合同违约方的惩罚措施。

(六)计息方法的制定与备案

全国性商业银行法人制定的计、结息规则和存贷款业务的计息方法，报中国人民银行总行备案并告知客户;区域性商业银行和城市信用社法人报人民银行分行、省会(首府)城市中心支行备案并告知客户;农村信用社县联社法人可根据所在县农村信用社的实际情况制定计、结息规则和存贷款业务的计息方法，报人民银行分行、省会(首府)城市中心支行备案，并由农村信用社法人告知客户。

(七)参考依据：

1.《人民币利率管理规定》银发【1999】77号。

2.《中国人民银行关于人民币贷款利率有关问题的通知》银发【2003】251号。

3.《中国人民银行关于人民币存贷款计结息问题的通知》银发【2005】129号。

Summary:

What is the bank loan interest rate for house mortgage, how should it be calculated, and what are the requirements for the mortgaged property? The property rights of the house for mortgage bank loans need to be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for circulation.

Bank loan interest rate for house mortgage - amount and term

1. The highest mortgage rate for commercial residential properties can reach 70%;

2. The highest mortgage rate for office buildings and shops can reach 60%;

3. The highest mortgage rate for industrial plants can reach 50%;

4. The longest term can reach 30 years; Mortgage includes shops, office buildings, residential buildings, villas, factories, warehouses, etc

Bank loan interest rate for house mortgage - loan interest rate

For loans with a term of less than 5 years (including 5 years): the annual interest rate of the loan is 4.77%; For loans with a term of more than 5 years, the annual interest rate is 5.04% (depending on the actual situation of local governments).

The People's Bank of China has decided to raise the benchmark interest rate for RMB deposits and loans of financial institutions from October 20, 2010. The benchmark interest rate for one-year deposits of financial institutions has been raised by 0.25 percentage points, from the current 2.25% to 2.50%; The benchmark interest rate for one-year loans will be increased by 0.25 percentage points, from the current 5.31% to 5.56%; The benchmark interest rates for other levels of deposits and loans are adjusted accordingly.

Interest rate fluctuations

According to current regulations, the upper limit of the floating interest rate for urban and rural credit cooperatives is 2.3 times the benchmark interest rate, and the lower limit is 0.9 times the benchmark interest rate. The upper limit of RMB loan interest rates for other financial institutions has been lifted, with a floating lower limit of 0.9 times the benchmark interest rate.

The Notice on Improving Differentiated Housing Credit Policies issued by the Central Bank and the China Banking Regulatory Commission clearly states that commercial banks should strengthen their management of consumer loans and prohibit their use for purchasing housing. Under a series of regulatory measures, various banks have tightened their review standards for personal consumption loans. The president of a joint-stock bank's Guangzhou branch told reporters that the bank's property mortgage loan interest rate has risen by 20%, and it is expected that other banks will consider raising their loan interest rates.

The four major banks have raised the benchmark interest rate for mortgage loans by 15%, while some joint-stock banks have raised the benchmark interest rate by 10%. But some individual loan customer managers of joint-stock banks have told reporters that it is difficult to apply for loans with a 10% increase. The central bank raised interest rates at the end of the year, and the mortgage interest rate for mortgage loans has correspondingly increased by 0.25 basis points. Several individual loan professionals from banks have stated that the interest rate level for personal consumption loans is expected to further increase this year, and customer loan costs may rise by another 10% compared to before the interest rate hike.

Basic knowledge of interest calculation

（1） The interest rate conversion formula for RMB business is (note: universal for deposits and loans):

1. Daily interest rate (0/000)=Annual interest rate (%) ÷ 360=Monthly interest rate (‰) ÷ 30

2. Monthly interest rate (‰)=Annual interest rate (%) ÷ 12

（2） Banks can use both the cumulative interest method and the individual interest method to calculate interest.

1. The cumulative interest method calculates interest by multiplying the accumulated daily account balance by the daily interest rate based on the actual number of days. The interest calculation formula is:

Interest=cumulative interest accumulation multiplied by daily interest rate, where cumulative interest accumulation=total daily balance.

2. The interest calculation method is based on the predetermined interest calculation formula, where interest=principal x interest rate x loan term. The interest is calculated on a case by case basis, with three specific methods:

The interest calculation formula for a full year (month) interest period is:

① Interest=principal x number of years (months) x annual (month) interest rate

If the interest period has both a full year (month) and a small number of days, the interest calculation formula is:

② Interest=principal x number of years (months) x annual (month) interest rate+principal x odd days x daily interest rate

At the same time, banks can choose to convert all interest periods into actual days to calculate interest, which is 365 days per year (366 days in leap years), with each month being the actual number of days in the Gregorian calendar. The interest calculation formula is:

③ Interest=principal x actual days x daily interest rate

These three calculation formulas are essentially the same, but due to the fact that in interest rate conversion, one year is only calculated as 360 days, but in actual daily interest rate calculation, one year will be calculated as 365 days, resulting in slight deviations in the results. Which specific formula is used to calculate, and the central bank grants financial institutions the right to make independent choices. Therefore, the parties and financial institutions can agree on this in the contract.

（3） Compound interest: Compound interest refers to adding interest at a certain rate to the interest. According to the regulations of the central bank, if the borrower fails to repay the interest at the agreed time in the contract, compound interest shall be charged.

（4） Penalty interest: If the lender fails to repay the bank loan within the prescribed period, the bank will impose penalty interest on the defaulting party according to the contract signed with the parties involved, which is called bank penalty interest.

（5） Loan overdue penalty: The nature of the penalty is the same as the penalty interest, and it is a punitive measure against the defaulting party of the contract.

（6） Development and filing of interest calculation methods

The interest calculation and settlement rules formulated by national commercial banks as legal persons, as well as the interest calculation methods for deposit and loan business, shall be reported to the head office of the People's Bank of China for filing and notified to customers; Regional commercial banks and urban credit cooperatives shall report to the branches of the People's Bank of China and the central branches of provincial (capital) cities for filing and inform customers; The legal representative of rural credit cooperatives at the county level may formulate interest calculation and settlement rules and interest calculation methods for deposit and loan business based on the actual situation of the rural credit cooperatives in the county, report to the branches of the People's Bank of China and the central branch of the provincial capital city for record, and the legal representative of rural credit cooperatives shall inform customers.

（7） Reference basis:

1. "Regulations on the Administration of RMB Interest Rates" (Yinfa [1999] No. 77).

2. Notice of the People's Bank of China on Issues Related to RMB Loan Interest Rates (Yinfa [2003] No. 251).

3. Notice of the People's Bank of China on the Calculation and Settlement of Interest on RMB Deposits and Loans (Yinfa [2005] No. 129).