Mortgage bank loan interest rate: (the repayment interest rate is determined according to the number of years of your loan, but the interest rate of each bank is similar. The rate table is as follows. Note: This interest rate table is for reference only. If you have any questions, please consult the drilling guarantee. )

Project? Annual interest rate (%)

First, in the short term,

Within six months (including six months) 5.6

Six months to one year (including one year) 6.0

Second, medium and long term.

One to three years (including three years) 6. 15

Three to five years (including five years) 6.40

More than five years? 6.55

Third, discounts.

The discount is determined by adding the discount rate as the lower limit.

Housing mortgage bank loan conditions:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.