For the first home loan in Nanchang, the benchmark interest rate is 1. 1 times, and the benchmark interest rate for commercial mortgage is (1), and the interest rate is 4.35% within one year; (2) The loan term is one to five years and the interest rate is 4.75%; (3) If the loan term exceeds five years, the interest rate is 4.90%. 2. The benchmark interest rate of provident fund mortgage: (1) The interest rate of the loan within 5 years is 2.75%; (2) The loan is over 5 years, and the interest rate is 3.25%; When a general user applies for a loan, the loan bank will set the appropriate mortgage interest rate according to the user's qualifications, credit and other factors. Second-hand housing loans should pay attention to: buying a house must look at the age of the house. Don't buy an old house. Such a house cannot be loaned. The bank has strict regulations on the age of second-hand houses. If you are too old, the loan application is likely to be rejected by the bank. Be careful not to be too biased. Buyers generally try not to choose a house that is too biased. The location and area of houses purchased by property buyers will also affect the approval of bank loans to a certain extent.
Excuse me, what is the interest rate of Nanchang Bank's housing loan?
The interest rate of housing loan in Nanchang is not fixed, but fluctuates on the benchmark interest rate of RMB loan stipulated by the state according to the borrower's loan method, economic income, credit status and the policy of the loan bank. The benchmark interest rate for RMB loans stipulated by the state is as follows:
1, commercial loan:
The annual interest rate within (1) 1 year (inclusive) is 4.35%;
(2) 1 ~ 5 years (including 5 years) with an annual interest rate of 4.75%;
(3) The annual interest rate for more than five years is 4.90%.
2. Provident fund loans:
(1) The annual interest rate for less than 5 years (including 5 years) is 2.75%;
(2) The annual interest rate over five years is 3.25%.