The interest rate of the first home loan in Anhui is basically concentrated at 5.2%, the second home loan is around 5.3%-5.4%, and the rest banks range from 5. 1% to 5.35%, which ultimately depends on the actual situation. As of 20 19, 1, the benchmark interest rate of the central bank's commercial loans (personal housing loans) is: 4.35% within one year; 4.75% for one to five years; More than five years is 4.90%. Of course, this is only the benchmark interest rate for commercial loans. When borrowers actually apply for loans, commercial banks all over the country will float on this basis. Therefore, the specific situation, users can consult the local loan bank in advance. When banks lend money, the most important thing is the borrower's credit and repayment ability. Therefore, borrowers should try their best to provide their own financial proof when handling loans, so that banks can increase the qualifications of users when approving loans. To a certain extent, banks will give borrowers interest rate concessions.

Precautions:

1. Evaluate your repayment ability correctly. Generally, the amount of mortgage loans is relatively large, ranging from hundreds of thousands to millions. Therefore, borrowers should correctly evaluate their repayment ability when making loans, so as to avoid the pressure of later repayment.

2. The repayment method should be selected. There are two main repayment methods of mortgage, one is the average capital repayment method; The other is equal principal and interest repayment. There are great differences between the two methods in terms of monthly payment and interest. I hope users can choose the repayment method that suits them.

What are the application conditions for buying a house loan?

1. A natural person who has reached the age of 18 and is under 65 years old, has valid identity certificate, residence certificate and income certificate, has no bad credit record and has full capacity for civil conduct;

2. The sum of the age of the housing loan applicant and the loan period shall not exceed 70 years old; There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements; The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

3. With the valid guarantee approved by the handling bank, open a personal settlement account in the handling bank, and handle settlement business such as house purchase loan, loan disbursement and repayment through the natural life family financial card;

4. Other conditions stipulated by the handling bank. The condition for applying for a house loan is probably the age limit, and it is possible to apply for a house loan from 18-65. As long as the conditions are met, all banks can handle it. The disadvantage is that due to the older age, the loan period applied for is greatly limited, and the monthly repayment pressure is greater.