1, China Merchants Bank:
The housing mortgage loan of China Merchants Bank can only be used for buying a house, a car or production and operation funds. The loan amount is usually 70% of the house appraisal price, and the house price should be issued by a professional house appraisal agency, not the purchase price of the house. The loan term depends on the purpose of the loan: if it is used for buying a car and working capital turnover, the loan term is generally 3 years; If it is to buy a house, the loan period will be longer, but the loan period+house age cannot exceed 30 years. The loan interest rate is usually higher than the benchmark interest rate of the central bank in the same period 10%. I want to borrow it for 10 years, and the interest rate is 8.6 13%.
China Merchants Bank's housing mortgage loan has two repayment methods: equal principal and interest and average principal. Taking the loan with a term of 65,438+1 00000 yuan as an example, using the equal principal and interest repayment method, the monthly repayment amount is1,245.9 1, and the repayment amount in the average capital decreases month by month, with the first month being 1.08 and the second month being/kloc-.
2. Bank of China:
At present, China Bank only accepts mortgage loans for houses with a building area of over 85 square meters and a house age of less than 15. At the same time, there are also requirements for the use of mortgage loans, which need to be decided by the branch where you provide the loan application. The loan amount depends on the age of the house: 70% of the appraised house price for less than 3 years, 60% for 3-5 years, 50% for 5-10 years and 40% for 10 years. The loan term also depends on your house age and the purpose of the loan. The loan interest rate is based on the benchmark interest rate of the central bank during the same period. If you want to borrow 10 years, the interest rate is 7.83%.
In China Bank, there are also two repayment methods: equal principal and interest and average capital. Take the repayment period 10 year as an example. Matching principal and interest repayment is adopted, with monthly repayment of 1204.3 1 yuan. The matching principal repayment amount is 1485.83 yuan in the first month and 1480.4 yuan in the second month.
Banks have different regulations on the interest rate of mortgage loans. You can choose the right bank to handle this business according to your own needs. The specific loan amount and interest rate need to be consulted with the local bank, subject to the bank policy.