The whole house mortgage interest rate varies from bank to bank, but generally fluctuates at the benchmark loan interest rate set by the central bank. In 20 19, the benchmark loan interest rate stipulated by the central bank was 4.35% within one year (inclusive), 4.75% within one to five years (inclusive) and 4.9% over five years.

When handling mortgage loans, you can consult different banks to find out the loan conditions and interest rates of different banks. Just choose what suits you best. In addition to banks, many financial institutions now handle mortgage loans, and borrowers can also consult some formal institutions.

Ordinary borrowers need to submit work certificates, bank accounts, real estate licenses, personal valid information, etc. Get a mortgage loan. In addition, the borrower's credit information must be good, which are the basic conditions for handling mortgage loans. After the user submits the application, the bank will evaluate the user's property and determine the loan amount.

Generally, it takes about one month to apply for a loan in a bank, and the time in other institutions will be shorter. When making a bank loan, it will be affected by the adequacy of the bank loan amount. Users can wait patiently after submitting the loan.