There are two kinds of housing loans, commercial loans and personal provident fund loans. The interest rates are as follows:

1, the benchmark annual interest rate of commercial loans: 0-6 months (inclusive), and the annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;

2. Benchmark interest rate of personal provident fund loans: the benchmark interest rate of short-term loans for less than five years (including five years) is 2.75%; The benchmark interest rate for long-term loans over five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.

The process of buying a house with a loan

1, to understand the credit situation.

First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.

Step 2 know the bank

Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.

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How much is the mortgage interest now?

Most people don't choose one-time payment when buying a house, but basically choose loans to buy a house, because loans to buy a house can save a lot of trouble, which is a very good way to buy a house for families with poor economy. So what is the loan interest for buying a house now?

How much is the mortgage interest now?

At present, the commercial loan with housing loan interest of more than five years is 4.90% (the first suite), and the interest rate of the first suite loan will vary from place to place due to the purchase restriction policy, and the national first suite splicing interest rate is 5.38%. Let's look at the interest on the second suite. The interest rate of the second home is generally 10%-30%, while the interest rate of the first home of the provident fund is 3.25%, and the interest rate of the second home loan generally rises to 10%. (The second suite is defined as the borrower's family (including the borrower, spouse and minor children). For families who have used provident fund loans or commercial loans to buy houses, if they apply for a mortgage again, they will be regarded as two suites. ).

We should know that the minimum amount of buying a house is: down payment = total house payment-customer loan amount. Loan amount = contract price (market price) ×80% (the maximum loan amount is as high as 80%)

Let's talk about the down payment first. Down payment means that when we buy a house, we need to install a certain proportion as the down payment according to state regulations. Of course, the payment can be higher than this amount, but not lower than this amount, and the rest can be borrowed from the bank. What is the down payment? If it is the first suite, then the down payment ratio is 30%, and if the provident fund is used for down payment, the area below 90 square meters is about 20%, and the down payment ratio above 90 square meters shall not be less than 30%.

Editor's summary: At present, many people are concerned about the interest on house loans. Be sure to pay attention to the timely repayment of the house bought by loan, otherwise it will have a great impact on our reputation. In order to guarantee your rights and interests, you must repay on time. If you still don't understand the interest of buying a house, you can have a deeper understanding when applying for a loan.

What's the interest rate of the house loan?

Nowadays, with the continuous growth of housing prices, many people basically apply for bank loans to buy houses, which means that they need to pay certain interest. Then, what is the interest rate of housing loans, and what aspects should be paid attention to in bank loans? Do you know that?/You know what? Now let's have a look.

1. What's the interest rate of the house loan?

If the loan is only 1 year or less, the interest rate is 4.35%; If the loan is in 1~5 years, the interest rate is 4.75%; If the loan is over 5 years, the interest rate is 4.90%. Due to the restricted purchase policy, the interest rate for buying the first suite rises by 5%~20%, and the interest rate for buying the second suite rises by 10%~30%.

Second, what aspects should be paid attention to in bank loans?

1. Apply for the house payment according to your own ability.

Buying a house loan does not mean that the bigger the amount given by the bank, the better. The greater the amount, the higher the interest required, and the greater the pressure on yourself. So you need to choose the loan amount according to your own economic situation and monthly work situation.

2. Prepare loan materials in advance.

For the materials needed for the loan, be sure to get them ready when you go to the bank to apply for a loan, so as not to waste time. In addition, it should be noted that if there is a problem with personal credit information, the records must be cleared immediately so as not to affect the loan processing.

3. Be sure to provide authentic materials.

When applying for a loan, you should ensure the authenticity of the materials. If the bank staff found false elements in the audit, they would not grant loans, or the bank refused to apply for loans, causing breach of contract and giving certain penalties.

4. Understand the repayment method

There are two ways of bank loans: equal principal and interest and average capital. As for which loan to choose, it needs to be considered in combination with personal economic strength. The former has little repayment pressure, but needs high interest; The latter has a high monthly supply and great pressure.

5. There is no need to repay the loan in advance within1year.

Bank loans will be stipulated, so after the house loan is issued, it cannot be repaid within 1 year. If it is to be repaid, it will take 1 year and the repayment amount will be repaid in half a year.

What is the interest rate of home buyers' loans? The precautions for bank loans are introduced here first. Are you clear? If you are going to buy a house with a loan, you need to choose a suitable loan method, so as to ensure that the pressure of life in the future will not be too great.

Let's stop here for the introduction of high interest on loans to buy a house.