Application process
1. First, you need to choose a bank to apply for a loan. You can consult through official website, APP and customer service hotline.
2. Preparation materials: ID card, household registration book, marriage certificate (if any), house purchase contract, real estate license, bank account number, work certificate, etc.
3. When submitting a loan application, the bank will conduct qualification examination, housing evaluation and repayment ability evaluation on the applicant.
4. After the approval, the loan contract is signed, the mortgage registration is handled, and the bank issues loans to the buyers according to the contract.
interest rate
Hefei second-hand housing loan interest rate is set by the central bank, and the current pricing method is LPR (loan market quotation) plus points. Different banks have different interest rates, and the specific interest rates need to be inquired according to the information published by banks.
Matters needing attention
1. Loan amount: Generally speaking, the bank will give a certain loan amount according to factors such as house valuation and repayment ability of buyers. Property buyers can choose according to their actual situation.
2. Repayment method: At present, the common repayment methods include matching principal and interest, average capital, monthly repayment of principal and interest, and repayment of principal when due. Property buyers can choose according to their repayment ability and preferences.
3. Loan term: The loan term generally ranges from 5 years to 30 years, and buyers can choose according to their repayment ability and purchase plan.
4. Overdue repayment: the buyer shall repay the loan on time. If it is overdue, it will cause penalty interest and affect personal credit records.