When the loan application is in place, several joint-stock banks will lend money. They are very interested in competing for excellent customers, thinking that their procedures are not as complicated as those of the four major banks, and there are many decisive factors for the speed of lending. If you have a lot of money, such as a project loan, the bank must first evaluate your project and then hold a meeting to make a decision. The interest rate depends on the risk of your loan project and your credit. The unit with good credit is generally the benchmark interest rate, such as 5.52% a year. If the benchmark interest rate of mortgage loan to buy a house drops by 30%, we in China are still conservative in this respect. If you buy a house, I suggest you borrow less, so as not to get tired of living in debt and really become a slave to working. Housing provident fund is the best, and the interest rate is lower.