about 4%. After several RRR cuts this year, the current interest rate of bank loans is 4.9%. The specific discount should be determined with the corresponding developers, mainly depending on whether the developer's cooperative banks have the first set of loan discounts. At present, the discount for second-hand housing operation is 85% of the benchmark interest rate. The borrower shall fill in the application form for personal housing loan at the agency of China Construction Bank or the developer who has signed a "cooperation agreement" with China Construction Bank, and provide the following materials: my household registration book, ID card or other valid residence certificate; Proof of occupation and income; Purchase contract or letter of intent and other relevant certification materials; The down payment certificate accounting for 3% of the house price; Other materials required by the agency of China Construction Bank.

loan procedures:

people are most concerned about the conditions and procedures in the house purchase loan. First, the materials to be provided for the house purchase loan are:

1. The applicant's and spouse's ID card, the original account and three copies.

2. original house purchase agreement.

3. One original and one copy of the advance payment receipt for 3% or more of the house price.

4. Proof of the applicant's family income and relevant assets, including payroll, personal income tax forms, income certificates issued by the company, bank deposit certificates, etc.

5. One copy of the developer's collection account number.

1. The interest of mortgage is usually closely related to the interest rate of bank loans. According to the relevant regulations of the state, our loan period is less than one year, and its loan interest rate is 4.35%; If our loan term is 1-5 years, then the interest rate of mortgage is 4.75%; If the term of our loan is more than 5 years, the interest rate is 4.9%. You can also choose provident fund loans to buy a house, and its interest rate is usually lower than that of commercial loans. The term of the provident fund loan is less than 5 years, and its interest rate is 2.75%; The loan term is more than 5 years, and its interest rate is 3.25%.

2. Usually, the mortgage interest rate of banks will be raised or lowered according to the basic interest rate. Because of the influence of the property market regulation policy in 218, the mortgage interest rates of banks everywhere have been raised. According to the statistics of relevant institutions, the average interest rate of the first suite in China reached 5.69% in August 218, including 5.16% in Shanghai, 5.39% in Xiamen and 5.47% in Beijing. The average interest rate in Guangzhou is 5.55% and so on.

third, according to the statistics of relevant institutions, the interest rates of most banks in China have risen by 15-2%. Among them, 128 banks' interest rates rose by 2%, and 28 banks' interest rates rose by 3%. Agricultural Bank of China, Bank of Communications, China Construction Bank, the first suite interest rate rose by 15%, and the second suite interest rate rose by 2%. The interest rates of ICBC and Postal Bank for the first and second suites have risen by 2%. At present, there are two repayment methods of mortgage: matching principal and interest and average capital. Interest = principal × actual days × daily interest rate or total interest = monthly repayment amount × loan months-principal. If we borrow 1 million yuan, the loan term is 2 years, and the interest rate is 5.47%, and choose the repayment method of equal principal and interest, then the interest we need to repay is 646,865.6 yuan. Average capital's repayment interest is 549,278.73 yuan.