In order to inquire or apply for a loan more effectively, you can go directly to the bank window for consultation. Take ICBC as an example: ICBC's first-hand housing mortgage handling process includes six steps: applying, approving loans, signing contracts, issuing loans, repaying loans on time, and settling loans. The bank will make a comprehensive evaluation based on the information you submitted to determine your mortgage interest rate.
The benchmark interest rate is adjusted by the central bank, and all central banks are the same. However, according to the qualifications of lenders and the specific circumstances of collateral, the interest rates of banks are different.
Extended data
Housing loans mainly include the following:
1, housing provident fund loan
For residents who have participated in the housing provident fund deposit, loans to buy a house and low-interest loans for housing provident fund should be the first choice. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period.
2. Personal housing commercial loans
If the balance of deposit in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or a unit or individual with sufficient compensatory ability is used as the guarantor to repay the principal and interest of the loan and bear joint liability, you can apply for using the bank mortgage loan.
3. Individual housing portfolio loans
The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans.
This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
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