IMMORTALITY Interest Rates
This revision is from 2025/08/03 19:56. You can Restore it.
| Bank Name | Nation | Home Loan Rate (P&I) | Homepage | |
|---|---|---|---|---|
| Chase (JPMorgan Chase) | United States | 6.375 % – 30‑yr (6.475 % APR) | chase.com | |
| HSBC UK | United Kingdom | 3.95 % – 5‑yr fixed rate example (from copy) | 4.15 % – launched 5‑yr interest‑only fixed rate | hsbc.co.uk |
| Barclays (UK) | United Kingdom | 7.74 % – Standard Variable Rate (SVR, P&I) | 7.74 % – same SVR if requested interest‑only | barclays.co.uk |
| Nationwide Building Society | United Kingdom | 6.99 % – Standard Mortgage Rate (P&I) | 6.99 % – same rate applies to interest‑only products | nationwide.co.uk |
| Commonwealth Bank of Australia (CBA) | Australia | 8.30 % – variable SVR reference rate (P&I) | 8.79 % – interest‑only reference rate (‑0.3 % ATL‑wide discount) | commbank.com.au |
| Westpac | Australia | 5.59 % – Special online refinance variable (P&I, owner–occupier, ≤ 70 % LVR) | 7.64 % – Flexi‑First‑Option “interest‑only special” (≤ 70 % LVR) | westpac.com.au |
| Commonwealth Bank of Australia | Australia | 6.79 % | 7.04 % | commbank.com.au |
| Barclays Bank | United Kingdom | 5.65 % | 5.65 % (IO available up to 10 yr term) | barclays.co.uk |
| HSBC UK (Classic Advantage Fixed‑Rate) | United Kingdom | 6.60 % | Not available for new owner‑occupier loans | hsbc.co.uk |
| NatWest Bank | United Kingdom | 6.19 % (tracked rate) | Not offered | natwest.com |
| Wells Fargo | United States | 7.375 % (ARM, 5/1 typical offer) | 8.500 % (typical initial IO 5‑yr ARM) | wellsfargo.com |
| Citibank | United States | 7.375 % (5/1 ARM) | 8.500 % | citi.com |
| Canada Big‑6 Private Bank Avg. | Canada | ~4.00 % (5‑yr variable prime‑based)†| Not available (standard‑regulation) | cibc.com |
| Deutsche Bank AG | Germany | 3.23 % (5‑yr variable range 3.23–3.66 %) | Not available (IO rare for owner‑occupier) | deutsche‑bank.de |
| Commerzbank AG (Baufinanzierung) | Germany | 3.65 % effective (repayment mortgage) | Not available | commerzbank.de |
| Crédit Agricole | France | ~3.70 % (20‑yr fixed, regional high‑profile profiles) | Not allowed for primary‑residence loans | credit‑agricole.fr |
| BNP Paribas | France | 3.55 % (fixed 20 yr example) | Not offered | bnpparibas.com |
| State Bank of India (Regular Term Loan) | India | 7.50 % – 8.45 % (floating, default lowest ~7.50 %) | Not for repayment‑mode standard home loan | sbi.co.in |
| State Bank of India (Flexipay scheme, IO‑pre‑EMI) | India | 7.50 % – 8.40 % (pre‑EMI option) | Interest‑Only for initial moratorium period | sbi.co.in/flexipay |
| HDFC Bank (standard adjustable home loan) | India | 7.90 % p.a. (floating, benchmark repo + ~2.40 %) | Not for owner‑occupier (IO seen in short‑term restructuring) | hdfcbank.com |
| Bank of China (5‑yr LPR‑based home loan) | China | 3.60 % (based on PBoC 5‑yr Loan Prime Rate) | Not offered for typical owner‑occupied mortgages | bankofchina.com |