Taxas de juros de empréstimos?
O que é uma taxa de juros? Simplificando, o interesse éo preço que você paga para pedir dinheiro emprestado– seja um empréstimo estudantil, uma hipoteca ou um cartão de crédito. Quando você pede dinheiro emprestado, geralmente deve pagar o valor original emprestado, mais uma certa porcentagem do valor do empréstimo como juros.
produtos | Taxa de juro | ABRIL |
---|---|---|
Taxa fixa de 20 anos | 6,98% | 7,00% |
Taxa fixa de 15 anos | 6,45% | 6,48% |
Taxa fixa de 10 anos | 6,17% | 6,19% |
5-1 BRAÇO | 6,05% | 7,14% |
O que é uma taxa de juros? Simplificando, o interesse éo preço que você paga para pedir dinheiro emprestado– seja um empréstimo estudantil, uma hipoteca ou um cartão de crédito. Quando você pede dinheiro emprestado, geralmente deve pagar o valor original emprestado, mais uma certa porcentagem do valor do empréstimo como juros.
Uma boa taxa de juros normalmente é aquela inferior à média nacional. A taxa média de juros de um empréstimo pessoal foi12,17%em agosto de 2023.4 Você poderá conseguir um negócio melhor se tiver uma renda e um histórico de crédito sólidos ou puder oferecer garantias para garantir seu empréstimo.
Banco | Taxa de juros (p.a.) | Taxa de processamento |
---|---|---|
Banco HDFC | 10,5% a.a. - 21,00% a.a. | Até 2,50% |
Banco ICICI | 10,50% a.a. - 16,00% a.a. | Até 2,50% |
TurboLoan desenvolvido por Chola | 14% a.a. | 4% - 6% |
Sim Banco | 10,99% a.a. em diante - 20% a.a. | Até 2% |
NAR:As taxas cairão para 6,3%A Associação Nacional de Corretores de Imóveis espera que as taxas hipotecárias sejam em média 7,5% no primeiro trimestre de 2024, caindo para 6,9% no segundo trimestre, de acordo com sua última Previsão Econômica Trimestral dos EUA.
A previsão da Fannie Mae sugere que as taxas hipotecárias de 30 anos cairão na faixa de 6,1% a 7% em 2024, enquanto a NAR acredita que as taxas cairão um pouco mais, terminando na faixa de 6,3% a 7,5%. A previsão do MBA prevê que as taxas de hipotecas de 30 anos cairão para 6,1% até o final de 2024.
Pontuação de crédito | Taxa de juro | Pagamento mensal |
---|---|---|
690-719 | 8,67 | US$ 124 |
660-689 | 10.36 | US$ 128 |
620-659 | 12h55 | US$ 133 |
590-619 | 16,65 | US$ 143 |
De acordo com Rachel Sanborn Lawrence, diretora de serviços de consultoria e planejadora financeira certificada da Ellevest,você deve se sentir bem em assumir dívidas propositais abaixo de 10% APR, e melhor ainda se estiver abaixo de 5% APR.
Fatores individuais. Os credores usam suas informações sobre sua situação financeira para prever a probabilidade de você pagar um empréstimo pessoal. Se você tem um histórico de atrasos nos pagamentos de cartões de crédito ou já está sobrecarregado para cobrir outras dívidas, os credores podem cobrar uma taxa de juros mais alta para compensar o risco.
Qual tipo de empréstimo é mais barato?
Empréstimos garantidossão normalmente uma escolha mais acessível, pois são garantidos por garantias e têm taxas de juros mais baixas do que os empréstimos sem garantia. Os empréstimos não garantidos não possuem qualquer forma de garantia, o que resulta em taxas de juros mais altas.
Banco | Taxa de juro mínima do empréstimo pessoal (%) |
---|---|
Banco HDFC | 10,5 |
Banco estatal da Índia | 12h30 |
Banco de Baroda | 13h15 |
Banco Nacional de Punjab | 13,75 |
O HDFC Bank tem baixas taxas de processamento que reduzirão os encargos do empréstimo. Com seus desembolsos super rápidos e processo de empréstimo eficiente, o HDFC Bank é um dos bancos líderes da Índia que oferece um dos melhores empréstimos pessoais da Índia.
nome do banco | Valor do empréstimo pessoal | Taxa de interesse (%) |
---|---|---|
Punjab e Banco Sind | Opção 3 Lacs | 10,15% - 12,80% |
Banco da Índia | Até 20 Lacs | >=10,25% |
Banco IndusInd | >=30000 e <=25 Lacs | 10,25% - 32,02% |
Banco de Baroda | >=50000 e <=20 Lacs | 10,35% - 17,50% |
Banco | Taxas de juros para empréstimos à habitação | Outras ofertas |
---|---|---|
Banco Canará | A partir de 8,4% a.a. | Taxas de processamento zero |
Banco de Baroda | A partir de 8,4% a.a. | Taxas de processamento zero |
LIC Financiamento Habitacional | *A partir de 8,4% a.a. | - |
Financiamento Habitacional PNB | A partir de 8,4% a.a. | Empréstimo até 90% do valor do imóvel |
- Mili – 5,50% APY*
- Banco Poppy – 5,50% APY.
- Meu Banking Direct – 5,35% APY.
- BrioDirect – 5,35% APY.
- Banco Vio – 5,30% APY.
- Ivy Bank – 5,30% APY.
- Banco TAB – 5,27% APY.
- TotalDirectBank – 5,26% APY.
A Associação Nacional de Corretores de Imóveis estima que as taxas serão de 6,3% no final do ano, enquanto a Fannie Mae prevê que serão de 6,5%. Ainda assim, as taxas de hipotecas não são fáceis de prever. “Muitos de nós previmos que cairíamos para 6% no final de 2023”, diz Sturtevant.
“Assumindo que não haverá choques económicos significativos, as taxas hipotecárias deverão continuar a diminuir lentamente ao longo dos próximos meses, atingindo um intervalo de 6% a 6,5% na primavera de 2024.” Associação de Banqueiros Hipotecários (MBA).
Se a inflação cair significativamente e a economia entrar numa recessão profunda, é possível que as taxas hipotecárias caiam para 3%.. Contudo, este cenário é considerado improvável pela maioria dos economistas.
Mas os sinais parecem ser de que as taxas de juro poderão ter atingido o pico neste ciclo. Muitos especialistas prevêem que as taxas de juro permanecerão no nível actual durantea maior parte de 2024. Isto pode significar que as taxas hipotecárias permanecerão no mesmo nível ou aproximadamente no mesmo nível de agora durante muitos meses, antes de possivelmente começarem a cair no final de 2024.
Com que rapidez as taxas de juros cairão?
Prevê-se que a inflação continue a cair em 2024 e poderá atingir a meta de 2% do BoE mais cedo do que o esperado. Como a inflação diminuiu mais rapidamente do que o esperado este ano, o BoE poderá começar a cortar a taxa básica em 2024 epossivelmente cairá para 4% até o final do próximo ano, segundo dados do banco privado Berenberg.
As taxas de hipoteca respondem à inflação: elas tendem a subirquando a taxa de inflação é altae tendem a diminuir quando a taxa de inflação é baixa. E se as previsões de inflação se revelarem correctas, serão boas notícias para os compradores e mutuários hipotecários.
Supondo apenas o principal e os juros, o pagamento mensal de um empréstimo de US$ 100.000 com uma TAEG de 6% seria de$ 843,86 no prazo de 30 anos e $ 599,55 no prazo de 15 anos.
Período de pagamento | ABRIL | Pagamento mensal |
---|---|---|
36 meses | 15% | US$ 3.467 |
48 meses | 15% | US$ 2.783 |
60 meses | 15% | US$ 2.379 |
72 meses | 15% | US$ 2.115 |
Período de pagamento | ABRIL | Pagamento mensal |
---|---|---|
2 anos | 15% | US$ 485 |
3 anos | 15% | US$ 437 |
4 anos | 15% | US$ 278 |
5 anos | 15% | US$ 238 |
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