The whole house in mortgage interest rates is different from different banks, but most banks fluctuate at the benchmark loan interest rate set by the central bank. In 20 19, the central bank stipulated that the loan interest rate should be 4.35% within one year, 4.75% for loans from one year to five years and 4.9% for loans over five years.

When handling mortgage loans, you can consult more banks, because different banks have different loan conditions and loan interest rates, and lenders can choose the one that suits them. Now, in addition to bank lending institutions, many other financial institutions can also handle mortgage loans.

Handling mortgage loans requires the lender to provide work permit, bank account, real estate license, effective personal information and other relevant materials. In addition, lenders need good credit information, which is the most basic condition for handling mortgage loans.

Extended data:

Conditions for applying for full house purchase loan:

1, a citizen of China (excluding Hong Kong, Macao and Taiwan), a salaried employee who has worked in the current unit for more than six months and a business person who has worked in the current unit for more than one year.

2. If the loan property is mortgaged for the second time, the first mortgagee of the house must be a bank.

3. There must be more than one property right house under the borrower's name.

The calculation formula of bank personal housing mortgage loan amount is: loan amount = real estate appraisal value × loan-to-deposit ratio.

General commercial self-occupied housing in loan-to-deposit ratio is 70%. If the appraised value of your house is 500,000, then the maximum loan amount is 500,000× 70% = 350,000 yuan. What is your specific loan amount? Banks also need to review and determine according to the data.

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