The mortgage interest rate of Industrial Bank Huzhou Branch is 3.65%. According to the inquiry of relevant contents, the mortgage interest rate of Huzhou Branch of Industrial Bank is only 3.65%, which can be mortgaged for the second time, and the comprehensive mortgage ratio can reach 850%, which can not repay the principal, improve the utilization rate of funds, and has loose requirements for running water and credit reporting.
2. What are the mortgage interest rates of major banks?
You can refer to the benchmark interest rate of bank loans.
Benchmark lending rate
6 months-1 year 6.0%
1 year -3 years 6. 15%
3 -5 years 6.4%
More than 5 years, 6.55%
Three. Mortgage bank's interest rate
Coordinates Beijing, Langfang, Sanhe, Dachang, Xianghe and Yanjiao. Collateral: commercial houses, houses, shops, business offices, apartments and villas. The credit period of mortgage loan is 1-20 years, and different bank products have different credit periods. The annualized interest is 3.75%-5.2%, and the repayment method: pay the interest first, then the principal, with equal principal and interest. The age is generally limited to 18-65 years old, too young (18-22 years old), and parents may be needed as guarantors or borrowers.
Basic process flow:
Full house:
Prepare personal credit information and provide credit information for both husband and wife when they get married. After reading the credit information, match the appropriate loan bank and loan type. Avoid random application, which will affect the credit information.
Submit application materials to the bank: ID card, household registration book, marriage certificate (divorce certificate and divorce agreement are required), household registration book, bank account number and work certificate. If it is a commercial loan, you need to provide a business license and open a bank card of the bank applying for the loan as a repayment account.
Face to face with the bank and wait for the bank's approval.
After the approval, take the bank loan contract and go to the real estate where the real estate is located for mortgage registration.
After the bank obtains other warrants, the bank handles the loan.
2. Real estate with balance payment: after the bank has successfully signed the face-to-face approval, it is necessary to settle the previous balance payment, get the other warrants and loan settlement certificate of the previous loan bank, and take the house book to the real estate registration center where the real estate is located to cancel the mortgage registration. After the mortgage cancellation is completed, a new bank loan contract is obtained and the mortgage registration is carried out. Other processes are basically the same.
3. Handling secondary mortgage: It is not necessary to settle the existing balance, but directly handle secondary mortgage after obtaining the loan contract from the bank. (Some places need to issue a copy of the property, and once they arrive at the bank, they are allowed to go to the bank. )
Credit loan application conditions: good credit information, monthly payment for more than one year, three life insurance policies for two years, and normal provident fund payment for more than one year. (Meet any of the above conditions and have good credit information), you can apply.
It should be noted that you need to know which bank loan products are more suitable for you, and don't apply blindly.