Parking loan interest rate is high:
(1) According to the individual housing loan interest rate. The annual interest rate of the loan is 4.77% for five years and 5.04% for more than five years;
(2) According to the parking loan interest rate applied separately. The interest rate of loan term 1 is 5.3 1%, loan term 2-3 is 5.49%, loan term 3-5 is 5.58%, and loan term 5- 10 is 5.76%. Parking loan is higher than the benchmark interest rate of the central bank. The maximum loan amount of China Agricultural Bank shall not exceed 60% of the appraised value of the collateral, and the loan period shall not be longer than 10 year. The amount of the garage loan handled by Bank of Communications shall not exceed 70% of the transaction price, and the loan period shall not exceed 65,438+00 years. Minsheng Bank limited the loan object of parking space to the parking space in the residential area where the first-hand housing loan of Minsheng Home is located, with the loan amount not exceeding 60% of the transaction price of garage parking space and the same loan period not exceeding 10 year.