This year, the benchmark interest rate became lpr, and the fixed interest rate became floating interest rate! The one-year loan market quotation (LPR) is 3.85%, and the five-year loan market quotation is 4.65%. Many banks have launched mortgage loan products with an interest rate of 3% 2. After the Agricultural Bank of China took the lead in launching 3% 3 mortgage loans last year, most banks gradually launched 3% 2 mortgage loans, but the interest rate is so low, can you do it? What are the specific requirements?

First, although some of these low-interest bank mortgage loans have a ten-year term, they have to cross the bridge every year and are not fixed.

At present, most banks basically cross the bridge every year as long as the product is 3.2% or 3.3%, or some products require the return of part of the principal. Why is this happening? Because his interest rate changes with lpr, the current annualized interest rate of lpr is 3.85% for one year and 4.65% for more than one year. In other words, if lpr goes up, it is likely to go up in the future.

Second, it needs the real operation of the enterprise.

With the support of national policies, only by operating mortgage loans can we achieve such a low interest rate at present. The basic requirement is that the enterprise has been registered for one year and has held shares for more than three months. Some banks require stocks to be held for half a year.

Third, enterprises need to pay social security accumulation fund and pay wages on behalf of Gong Hu.

Some banks require enterprises to have enterprise accounts, which means paying taxes. Moreover, some employees are also required to pay wages and pay social security provident fund, which is actually to further determine the real operation. Some banks require company accounts in their own banks. Simply put, they need historical connections to approve funds.

Fourth, a lot of information needs to be provided.

Some banks not only need to provide their own relevant certificates, but also need to provide a detailed personal profile of the actual controller of the company, the company's lease contract, and the water, electricity, payroll and rent bills for the past six months; Audit reports, balance sheets, income statements, accounts receivable, notes receivable, accounts payable, notes payable and raw material inventories in recent years should also be provided. List of the top five upstream and downstream customers; Orders and purchase and sale contracts of the top 5 upstream and downstream enterprises in terms of transaction volume; Copies of loan contracts of other banks (or other institutions), etc. And some higher interest rates basically do not provide any of the above.

Fifth, we should make home visits.

Many banks need account managers to visit and take photos, but it is very difficult to make an appointment with bank account managers.

However, it is difficult for his support rate to reach 3% 2.

There are so many materials to be prepared that the bank should verify the authenticity one by one and arrange inspections. The process is complicated and the time will be much longer than before. Generally, red-funded mortgage loans can be successful in 7 working days at the earliest, and all processes may not be completed in one month.

Some banks have additional conditions.

For example, Industrial Bank requires 1% insurance or 15% deposit return. Some banks will also ask a guarantor with a deep house to provide guarantee for them.

In short, there are still many restrictions and requirements for low-interest products. If your company has actual operation, it can still be handled directly. If there is no actual operation, it will be very troublesome to pack the parts, because now the bank is right? Radish chapter? The investigation is very strict Once discovered, they will be blacklisted directly, and some will even be investigated for legal responsibility? Cheating on loans? .