The interest rate of the first home loan of 8 banks in the first suite is 5.88%; The interest rate of the first home loan of ICBC, BOC, ICBC and China CITIC Bank is 6. 125%. Among the banks surveyed, Shanghai Pudong Development Bank has the lowest mortgage interest rate, and the lowest interest rate for very high-quality customers can reach 5.635%. Please note that not everyone can enjoy the lowest interest rate, but depends on the qualifications of the lender, such as occupation, credit information and income. The account manager of the personal loan department of the business department of Chengdu Branch of China Everbright Bank said that the minimum loan interest rate is 6. 1% if the loan amount of buyers is more than 500,000, and the minimum loan interest rate is 6.3% if the loan amount is less than 500,000.

1. Housing loan, also known as housing mortgage loan, refers to the application form for housing mortgage loan filled out by property buyers to the loan bank, providing ID cards, income certificates, housing sales contracts, guarantees and other documents that must be submitted according to legal documents.

Second, after passing the examination, the loan bank promises loans to the buyers, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

Third, mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.

Fourth, real estate mortgage loans generally need professional real estate guarantee companies to handle. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, so as to revitalize the real estate held by residents. Among various financing channels, real estate mortgage loans are still one of the lowest cost ways.

5. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower;

Six, in line with the relevant laws and regulations of the housing ownership certificate or proof that I have control over the house; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.