The bank's interest rate is reasonable. From a national perspective, the interest rate of provident fund loans is 3.25, and the interest rate of commercial loans is 4.9, but this figure does not mean that the interest rate you finally signed is this figure. The bank will also comprehensively judge the repayment ability according to your working status, or it may be higher than this figure. You can mortgage, don't worry too much about interest. If you think it is too high, you can only say that there is something wrong with your own qualifications, and the interest rate is definitely not beyond the standard.
2. What is the deposit interest rate of rural credit cooperatives in Heze City, Shandong Province?
The interest rate of three-year fixed deposit of Shandong Rural Credit Cooperatives is 4.25%. That is to say, in rural credit cooperatives, that is, rural commercial banks, three-year time deposits are medium-and long-term deposits with relatively high interest rates. The interest rate of three-year time deposits below 50,000 yuan is 3.05, and the interest rate of three-year time deposits above 50,000 yuan is 3.5. You deposit 50 thousand, and the interest for three years is 6300. Based on ten thousand yuan, the interest of 65438+ ten thousand yuan for three years is, 35 yuan X 12X3= 1260 yuan. The interest of 50,000 yuan for three years is 1, and 260 yuan X5=6300 yuan. The deposits of rural credit cooperatives are very safe for the following reasons: Rural credit cooperatives, like other banks, issue various deposit products and wealth management products. Because rural credit cooperatives are formal and legal financial institutions, their deposit products are also protected by the Deposit Insurance Regulations, and deposits within 500,000 yuan are safe.
3. What is the benchmark loan interest rate of a single county?
The benchmark interest rate for loans in a single county is determined by the State Bank and is currently 4.35%.
4. What is the benchmark interest rate for provident fund loans in 2022?
According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is: 1, and the annual interest rate of individual housing provident fund deposits is: paid in the current year and carried forward from the previous year to:1.5%; 2. Personal housing provident fund loan: 2.75%, with an annual interest rate of 3.25% for more than five years. Provident fund loan refers to personal provident fund loan, which is a mortgage loan that the provident fund management offices all over the country entrust commercial banks to pay the provident fund paid by employees who apply for personal provident fund loans to retired employees who have paid the provident fund during the service period of purchasing, building, demolition and repairing their own houses. The above is the interest rate of housing provident fund. How can the provident fund be used to borrow money to buy a house? Users can prepare personal identity documents, purchase agreements signed by real estate developers, down payment receipts, residence permits (household registration books or temporary residence permits), personal income certificates (such as bank accounts and salary slips) and other related materials to find a staff member at the business outlets of the local provident fund management office to clearly apply for loans.
After receiving the application form and filling it out, users can view the report and related materials. After the trial, the management office will examine and approve Yuzhou according to the material information provided by users, and an appraisal agency will evaluate the value of the house. Users. Users who receive the notice of examination and approval will go to the business outlets to handle the loan mortgage and other related procedures within the promised time, and then the bank will issue loan funds. Generally speaking, it takes about two to three months for funds to be released from users to accounts. Of course, if the bank encounters a shortage of funds, the approval and lending time will be delayed.