中国建设银行最新房贷利率表

随着中国房地产市场不断发展，越来越多的人需要贷款购买房屋，作为一家具有较高信誉的银行，中国建设银行在房贷政策方面也不断更新，以更好地满足客户的需求，以下是建设银行最新房贷利率表，供您参考。

个人住房贷款

个人住房贷款是指建设银行向符合条件的借款人发放的，用于购买住房的贷款，根据借款人的资质和信用记录，贷款利率有所不同，以下是针对不同贷款期限的利率表：

个人消费贷款

个人消费贷款是指建设银行向借款人发放的，用于满足消费需求，如购买家电、装修房屋、旅游度假等个人或家庭消费需求，以下是针对不同贷款期限的利率表：

个人经营贷款

个人经营贷款是指建设银行向借款人发放的，用于满足生产经营、投资活动及其他合法经营活动的资金需求，以下是针对不同贷款期限的利率表：

| 贷款期限 | 6个月以下（含） | 6个月-1年（含） | 1-3年（含） | 3-5年（含） | 5-10年（含） | 10-15年（含） | 15-20年（含） | 20年以上 |

| --- | --- | --- | --- | --- | --- | --- | --- | --- |

| 贷款利率（基准利率） | 4.40% | 4.85% | 4.85% | 5.06% | 5.06% | 5.06% Charged by month from the drawing date of the loan line and course of the year will be collected on the amortized basis throughout the year· For loans of more than one year outstanding balance is Supreme、 On the same interest for multiple years(3) basis seasoning and annual review and adjustment of interest rates· The adjustment of interest rates in the market will affect the repayment of the loan· The actual interest rates may differ from those published due to the borrower's credit Hancock score|Reprinted from the Bank of Communications website on November 9，2021Charge ratio:month| No loan no less than three months or a maximum of twelve months of mortgage loans year(from the date of loan issue) can repay in advance，for loans repaid in advance shall have actual interest rates for a month from the date of repaid．For loans exceeding twelve months of age can be up to repay in advance，No need to hold any month base Interest．Annual review of interest rates on January andpays interest on the basis of amortization throughout the year，利率采取按月收取方式，各月根据实际天数收取利息，对一年以内贷款采用直接调整分段计息方式；一年以上的贷款在年初采取直接调整分段计息方式后利息在还款过程中逐期收取| Reprinted from the ICBC website on November 9，2021Mortgage loan(two) the second two： |

{4夹太慢赶不上趟} {5}{6}{7}{8}{9} （注：上述利率信息仅供参考，实际利率以网点公布信息为准。）