5 thoughts on “What is the mortgage rate of major banks now?”

  1. Arthur

    I am glad to answer you! 1. What is the interest rate of bank mortgage loans?
    . The loan period is less than 5 years (including 5 years): the annual interest rate of loan is 4.77%; the loan period is more than 5 years, and the annual interest rate of the loan is 5.04%. It will be different, of course, different banks are also different.
    . Conditions for bank mortgage loans
    1. There is a legal identity;

    . There is a stable economic income, the ability to repay the principal and interest of the loan, no bad credit records;

    3. There is a legal and effective housing contract;

    . If you use the highest amount of new housing for mortgage, you must have a legal and effective house purchase contract. Inside, and there is a down payment with a 30 % price of 30 % of the total price of the house purchased;

    5. If you have purchased and handled the housing mortgage loan, the original housing mortgage loan repayment one repayment one For more than years, the loan balance is less than 60 % of the mortgage housing, and housing used for mortgage has obtained a certificate of house ownership, and the age of the house is within 10 years; ;

    7. Other conditions stipulated by the loan bank.

    . The process of bank mortgage loans
    1. Application for loan to the bank. Consult the bank to handle loan materials required for mortgage loans, as well as the loan amount that can be applied for, and prepare the relevant loan procedures in advance.

    2. Bank approval. When the borrower is determined to handle the loan, the organizer will register the procedures for the borrower, asking the borrower to be handed over to the person who needs to review the loan materials, and the bank will review the borrower's materials.

    3. Set up mortgage or notarization procedures. If the bank has agreed to apply for a loan and qualified for loans, the borrower must go through the relevant mortgage registration procedures and notarization procedures. If the loan material is approved, the bank will return the loan material to the borrower.

    4. Sign the loan contract, and the bank issues loans. When the relevant procedures are completed, the borrower will sign a loan contract with the bank, and the borrower shall apply for a personal loan account at the loan bank.

    5, repayment. When the borrower gets the loan, the borrower must repay the loan on time in accordance with the repayment of the loan contract. After setting up the loan, the borrower should remember to go through the mortgage and cancel formalities to avoid encountering problems in applying for a loan in the future.
    It hope to help you.

  2. Toby

    The mortgage interest rate is obtained on the basis of the benchmark interest rate. The floating ratio of different banks is different. Generally speaking, the benchmark interest rate is 10%-35%.
    The latest benchmark interest rates are as follows:
    The short -term loan within 6 months of loan interest rates is 5.60%;
    In long -term and long -term 1 to 3 years of loan interest rates is 6.15%;
    3 to 5 years The loan interest rate is 6.40%.
    The application for real estate mortgage loans is relatively easy. Major banks have related products. You can choose one that is most suitable for you than products of different banks. You can also compare the product through the network platform.

  3. Alejandro

    Pay content for time limit to check for freenAnswer loans are divided into: 1. Short -term loans; 2. medium and long -term loans; 3. Personal housing provident fund loan. The specific interest rates are as follows: 1. Short -term loans: interest rates within six months (inclusive) are 4.35%; interest rates of six months to one year (inclusive) are 4.350%; The interest rate is 4.75%; the interest rate of three to five years (inclusive) is 4.75%; the interest rate of more than five years is 4.9%; 3. The personal housing provident fund loan: the interest rate of more than five years (inclusive) is 2.75%; more than five years or more The interest rate is 3.25%.

  4. Freddie

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  5. Shelly

    2015-7-21, the interest rate of mortgage loans in major banks is now floating 50%on the basis of the same period of the same period.

    The loan is a credit activity form of borrowing money funds in accordance with certain interest rates and must be returned. The general term of loans refers to loans, discounting, and overdrafts. The bank's concentrated currency and currency funds through loans can meet the needs of supplementary funds for social expansion of reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase bank accumulation.

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