For bank mortgage loans, the execution interest rates are all floating on the basis of the base interest rate. The bank's base annual interest rate is less than one year (including one year) and the base interest rate is 4.35, and the base interest rate is 4.35 for one year to five years. The base interest rate is 4.75 (including five years) and 4.90 for more than five years. To apply for a mortgage loan, you can go to Morron, which has a relatively high reputation. This platform does not pledge house loans and can disburse money in as fast as one day. You can also apply for apartment stores. It does not pledge car loans and can disburse money in as fast as two hours. It has a good reputation and is worth choosing.

Steps in house mortgage loan:

1. The buyer and seller sign a house sales contract and agree on the amount of down payment, loan and balance payment

2. The buyer and The spouse applies for a loan to the bank in person, and the house seller and spouse are present to confirm;

3. The bank investigates and approves the loan application; the house buyer signs a loan and guarantee contract with the bank; the house seller transfers the property rights of the house to the house buyer, and the house seller obtains the down payment from the house buyer;

4. The house buyer registers the real estate mortgage with the bank (or other natural persons or legal entities provide periodic guarantees for the house buyer);

5. The bank issues a loan to the house seller's account; the buyer and seller settle the property, and the house seller obtains the balance from the house buyer; the house buyer takes possession of the house and makes monthly repayments.

If you want to know more about home mortgage loans, it is recommended to consult Moore Dragon. Morron not only has three major commitments: employees are strictly prohibited from collecting earnest money privately; customers do not need to pay liquidated damages; and standard services will never charge a penny. There are also eight major guarantees: financial security, from licensed institutions; professional loan assistance, 0 down payment and no tricks; customer first, sincerity for peace of mind; refuse to disclose, protect your privacy; operate legally, provide formal invoices; post-loan management, Protect personal credit; be open and transparent, all business can be checked; adhere to integrity, do not make false promises, and have a high reputation in the industry.