House mortgage loan interest will vary depending on the type of choice, conditions and interest rates. Qian Yun's monthly mortgage interest is around 0.45%-0.6%.

As for the interest rates of house mortgage operating loans, under normal circumstances, they are floating based on the central bank's benchmark interest rate. Mainly divided into short-term loans and medium- and long-term loans. Short-term loans are mainly within six months (including six months) and six months to one year, with a loan interest rate of 4.35%; medium- and long-term loans are mainly between one to three years and three to five years, with a loan interest rate of 4.75%, and five-year loans. It is a long-term loan if it is more than 1 year, and the loan interest rate is 4.90%.

Extended information:

Methods to reduce house mortgage operating loans are:

1. Most operating conditions are reflected in bank statements, reminding everyone to pay attention to business transactions Try to use bank transfers as much as possible. Don’t think that in WeChat and Alipay, funds are placed on them to enjoy higher interest than banks. Many banks do not recognize WeChat and Alipay transfers;

2. The collateral is generally It still refers to the house. From the perspective of the quality of the collateral, the order should be residential - villa - commercial and residential - apartment, office building;

3. You should pay more attention to the credit report, the bank only accepts cold credit. Numbers, if your credit report is seriously overdue, you may not be eligible for a loan. Don’t think that just because it’s a few days overdue or the amount is small, nothing will happen. Even a penny less in repayment will have an impact;

4. Keep your debt as low as possible, and don’t take out an online loan to spend money when you have nothing to do.