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2023銀行房貸利率表

來源： ? 2023-02-11 15:54:18

那么你知道2023年银行房贷利率吗？房贷利率事关我们贷款买房每月要缴纳的金额，不少人对此非常关注，下面是小编给大家整理的2023銀行房貸利率表，希望大家喜欢!

2023銀行房貸利率表

(資料圖)

人行規定首套個人住房貸款利率不得低于相應期限LPR，二套個人住房貸款利率不得低于相應期限LPR加60個基點。2023年貸款買第一套房，最低利率是4.1%—4.3%左右，二套房貸款利率大概是4.8%—5%左右。

房貸利率不是固定的，主要是根據市場最新IPR來確定的，在最新LPR的基礎上加減房貸基點，房貸LPR是浮動的，但是加減的基點確定之後是不能改變的，而加基點還是減幾點，就看你是貸款買第一套房還是貸款買第二套房。

貸款利率下調了爲何月供沒有變?

1、房貸利率執行LPR浮動利率

用戶的房貸利率執行LPR浮動利率，當LPR下調，必須等到利率調整日，用戶的房貸利率才會跟著下調。因此，用戶的房貸利率沒有發生變化，只能說明沒有到房貸利率調整日期。房貸利率調整日期一般是1月1日或者房貸放款日，具體請以合同的約定爲准。或者LPR雖然下調了，但是距離利率調整日的上一個月，LPR與房貸合同中的LPR相比並未發生變化，那麽用戶的房貸利率也不會調整。

2、房貸利率執行LPR固定利率

用戶的房貸利率執行LPR固定利率，那麽即使LPR下調，用戶的房貸利率也不會發生調整。LPR固定利率是指房貸期間用戶的利率不發生任何變化，並且始終執行房貸合同中約定的利率。當用戶的房貸利率是LPR固定利率，那麽用戶的房貸利率不會發生任何變化，月供金額也不會因爲LPR調整而下降。

3、房貸利率爲公積金貸款利率

用戶的房貸利率爲公積金貸款利率，LPR發生調整，公積金貸款利率不會調整。只有公積金貸款基准利率發生變化，用戶房貸合同中的公積金貸款利率才會跟著調整。公積金貸款利率不參考LPR，因此不管LPR如何變化，都不會影響到公積金貸款利率。

房貸還款流程有哪些

1、借款人貸款前填寫住房抵押申請書，並提交銀行下列證明材料：借示人所在單位出具的借款人固定經濟收入證明;借款擔保人的營業執照和法人證明等資信證明文件;借款人具有法律效力的身份證明;符合法律規定的有關住房所有權證件或本人有權支配住房的證明;抵押房産的估價報告書、鑒定書和保險單據;購建住房的合同、協議或其他證明文件;貸款銀行要求提供的其他文件或材料。

2、銀行對借款人的貸款申請、購房合同、協議及有關材料進行審查。

3、借款人將抵押房産的産權證書及保險單或有價證券交銀行收押。

4、借貸雙方擔保人簽訂住房抵押貸款合同並進行公證。

5、貸款合同簽訂並經公證後，銀行對借貸人的存款和貸款通過轉帳方式劃入購房合同或協議指定的售房單位或建房單位。

6、貸款申請人按月還款。

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2023銀行房貸利率表

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