The factors that affect the bank interest rate are:
1. General price level: This is an important basis for safeguarding the interests of depositors. The interest rate depends not only on the nominal interest rate, but also on whether it is a positive interest rate or a negative interest rate.
2. Interest burden: For a long time, most of the funds for the production and development of large and medium-sized state-owned enterprises rely on bank loans, and the change of interest rate level has a direct and important impact on the costs and profits of enterprises. Therefore, the determination of interest rate level must consider the affordability of enterprises.
3. Supply and demand situation: interest rate policy should obey the overall situation of national economic policy and reflect the requirements of national policies in different periods. Like the prices of other commodities, the determination of interest rate level should also consider the relationship between supply and demand of social funds, which is restricted by the law of supply and demand of funds.
Extended data
People are most concerned about the conditions and procedures in the purchase loan. First of all, the information to be provided for housing loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required).
2. The original purchase agreement.
3. Original and photocopy of advance payment receipt for 30% or more of the house price 1 copy.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
The required conditions are as follows:
1.1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The actual age of the borrower plus the loan application period should not exceed 70 years old.
4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.
5. Self-raised funds of more than 30% of the total price of the purchased house (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to be used to pay the down payment of the purchased house.
6. There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
References:
Baidu encyclopedia-housing loan interest rate