As of September 2020, the latest quasi-interest rate is 4.35% (including 4.35%) for 0-6 months, 4.35% for June-1 year (including 1 year), 4.75% for 1-5 years (including 5 years), and 5-.

Personal housing commercial loans are bank loans. Specifically, it refers to the housing purchased by natural persons in this city (or other guarantee methods recognized by the bank) as collateral and applied to the bank as a guarantee for loan repayment.

Extended data:

operation sequence/order

1. The borrower and the developer pay 30% of the house purchase price at the same time when signing the house purchase contract;

2. Submit relevant materials to the law firm for review;

3. The bank receives the Legal Opinion issued by the approved law firm, and signs a loan contract, mortgage contract and guarantee contract with the purchaser;

4. Handle mortgage registration, notarization of home insurance and contract according to relevant information, and issue loans.

5. If the borrower repays the principal in equal amount, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment. No default fee is charged.