At present, the loan interest rates of Agricultural Bank of China are 1 and 1 and the short-term benchmark interest rate is 4.35%. 2. The benchmark interest rate for1to 5 years is 4.75%. The interest rate for loans with a term of three years or more is 4.9%. Due to the influence of local loan policies, the specific loan interest rate needs to be consulted at the loan bank counter.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.