2. But if you choose a provident fund loan to buy a house, the mortgage interest rate is fixed. This loan method does not refer to the LPR+ basis point floating interest rate model, so it is a fixed interest rate.
Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.
Matters needing attention in buying a house by loan
When buying a house with a loan, we should pay attention to the determination of personal credit information, income proof, relevant information and the number of houses.
1, pay attention to personal credit. Going to a bank for a loan requires a higher personal credit rating, and the lender must have no bad record and no blacklist.
2. Pay attention to the proof of income. When issuing income certificates, it should be moderate. If it is too little, the number of applications is not enough. If there are too many, it is easy to be audited or the repayment pressure is high.
3. Pay attention to relevant information. It is necessary to prepare all relevant information, which is more conducive to loan approval when reviewing.
4. Pay attention to the identification of the number of real estate units. For the first suite, there are many loans, so we need to be cautious when determining the number of housing units.