Interest rate within one year (including one year): 4.35
Medium and long-term loans:
Interest rate for one to five years (including five years): 4.75; Interest rate for more than five years: 4.90
Personal housing provident fund loans:
Interest rate for less than five years (including five years): 2.75; Interest rate for more than five years: 3.25
Extended data:
Housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, it refers to the commercial housing loan (mortgage loan is a kind of commercial loan) that a natural person with full capacity for civil conduct applies to the bank as a loan repayment guarantee when purchasing owner-occupied housing in this city with property housing (or other guarantee methods recognized by the bank) as collateral.
Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller has an agreement with the loan bank, and the real estate guarantee enterprise provides guarantee to the bank for the residents' house purchase loan.
Repayment method
Average capital method
That is, the borrower repays the loan principal and interest with the same amount every month, also known as the equal principal and interest method. It is characterized by the same principal and interest in monthly repayment, which is easy to budget, and the initial repayment pressure is reduced, but the interest in initial repayment accounts for most of the monthly repayment, and the proportion of principal in repayment is gradually increased, while the proportion of interest is gradually reduced, thus achieving a relative balance. The interest paid by this repayment method is high, but the pressure of prepayment is not great.
Average capital repayment method
That is, the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called the diminishing method. Its characteristic is to repay the principal every month and calculate the interest on a daily basis according to the loan principal amount. The early repayment amount is large, and the monthly repayment amount is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great.
According to the loan method, it is divided into three types: credit loan, secured loan (secured loan, mortgage loan and pledge loan) and bill discount.
Credit loan refers to a loan issued with the borrower's reputation as a guarantee.
Secured loans refer to secured loans, mortgage loans and pledged loans issued according to the Guarantee Law of People's Republic of China (PRC).
1. Guaranteed loan refers to the loan provided by the borrower as the guarantor recognized by the company. The guarantor promises to assume general guarantee liability or joint liability according to the loan contract when the borrower fails to repay the principal and interest of the loan by the guarantee method stipulated in the Guarantee Law.
2. Mortgage loan refers to the loan granted with the approval of the company with the property of the borrower or a third party as collateral and in accordance with the mortgage method stipulated in the Guarantee Law.
3. Pledged loan refers to the loan issued by the company with the movable property or rights of the borrower or a third party as the pledge according to the pledge method stipulated in the Guarantee Law.
Bill discount refers to the loan issued by the company by purchasing the unexpired bank acceptance bill of the borrower.
Loan term: the loan term of a finance company is generally not more than 5 years; The longest discount period is no more than 6 months, and the discount period is from the discount date to the maturity date of the bill.