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哪位能够说一说今年贷款利率是多少？具体流程是什么_其他_设计456问答
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哪位能够说一说今年贷款利率是多少？具体流程是什么

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哪位能够说一说今年贷款利率是多少？具体流程是什么

浏览：38次 | 提问时间： 07-21 09:49
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5个答案
小二來碗內牛滿面 07-21 09:49

一、2020年买房贷款的利息是多少2020年10月24日后申请房贷的可按最新的4.9%利率(5年至30年)计算。公积金方面，由于2020年10月24日的降息中，个人住房公积金贷款利率未作调整，公积金贷款利率今年经历了4次下调，五年以上个人住房公积金的贷款利率，从年初的4.25%降低到了目前的3.25%。而在银行没有进一步的调整之前2020年买房贷款利率仍是如此!由于银行多数按照次年调息来执行，所以很多在贷款利率调整之前就已经贷款的朋友，在2020年1月1日开始，买房贷款利率会调整为最新利率。二、2020年买房贷款的利息怎么计算
1、等额本息法：计算公式月还款额

花柳巷 07-21 09:58

本金月利率[(1+月利率)^n/[(1+月利率)^n-1]式中n表示贷款月数，^n表示n次方，如^240，表示240次方(贷款20年、240个月)月利率

没事的我会坚强 07-21 10:06

年利率/12总利息

婉若游龙 07-21 10:15

月还款额贷款月数-本金

呵护你 07-21 10:23

贷款利率
六个月以内（含6个月）贷款5.10%
六个月至一年（含1年）贷款5.10%
一至三年（含3年）贷款5.50%
三至五年（含5年）贷款5.50%
五年以上贷款5.65%
存款利率
活期存款0.35%
三个月定期存款1.85%
半年定期存款2.05%
一年定期存款2.25%
二年定期存款2.85%
三年定期存款3.5%
零存整取、存本取息、零存零取一年期1.85%
零存整取、存本取息、零存零取三年期2.05%
协议存款1.15%
一天通知存款0.8%
七天通知存款1.35%。

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