2. The real interest rates implemented by different regions and different banks are also quite different. However, the actual interest rate is generally based on the benchmark interest rate, and it is carried out by floating a certain proportion, which is roughly within the range of 10%-50%.
3. The benchmark interest rates implemented by this bank are: 4.35% for loans under one year, 4.75% for loans from one to five years, and 4.9% for loans over five years. As for the real interest rate of individual housing mortgage loan, banks will generally determine it according to the borrower's comprehensive qualifications and comprehensive housing situation.
The above is the relevant content of the new mortgage interest rate policy in 2022.
Can the bank mortgage be extended?
According to the bank's requirements for housing loans, bank housing loans can be postponed, but deferred repayment requires customers to apply to the bank. When customers are short of funds, they can definitely apply to the bank for deferred repayment. However, it should be noted that the application for deferred repayment of bank housing loans needs to be handled in advance. Generally speaking, the extension time starts after the bank allows it, and users still have to repay in full and on time before approval. Generally speaking, bank housing loans can be postponed. As long as customers meet the deferred repayment standards required by financial institutions, they can explicitly apply to financial institutions for deferred repayment. In other words, customers should provide some relevant supporting materials when applying for deferred repayment.
How long does it take to pass the mortgage review?
The examination and approval of housing loans should be decided according to the specific circumstances. Under normal circumstances, the approval of housing loans is about three weeks, and if there are policy changes, the time will be increased to one month. If the bank is short of funds, the loan may have to wait for distribution, and the time will be longer. If it has not been audited for more than 3 months, it may be that the materials or qualifications do not meet the loan standards, or that the housing loan has been rejected by the bank, and the bank will also inform the user of the approval results. In addition, different banks have different audit time, and banks will also conduct approval according to customers' personal qualifications and materials prepared in advance. If the personal qualifications are excellent and the materials are fully prepared, the approval time of housing loans will be relatively faster, and the actual approval time will be subject to the bank audit time.
When is the best time to repay the mortgage in advance?
In fact, the best date to repay the mortgage in advance is 3-4 years after the loan, because at this time, repaying the loan in advance will not charge the contract penalty, and it can also save some loan interest. If it is a one-time settlement of the capital, it will naturally be more cost-effective. In the case of early mortgage repayment, it depends on the individual's specific situation. If the user chooses the repayment method of equal principal and interest, the annual interest rate will be higher in the first two years, and then it will gradually decrease. When the user wants to repay the loan in advance, in fact, the user's loan interest has already been repaid by more than half, so it is not cost-effective to repay the loan in advance. This paper mainly aims at the knowledge points related to the new policy of mortgage interest rate in 2022, and the content is for reference only.