I think most people have considered and compared this issue. Generally speaking, there are indeed certain differences in the charging standards and application thresholds of different banks. For example, if you take out a one-year home mortgage loan of 500,000 yuan in Beijing, the final results show that the home mortgage loan prices of the three banks, China Construction Bank, Bank of China and Shanghai Pudong Development Bank, are the most affordable. The annual interest rates for one year are 6.6, 6.6 and 6.9 respectively, which means they are only slightly higher than the base interest rate. Therefore, I recommend getting a loan from these three banks, but you must also pay attention to meeting the loan conditions.

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In fact, currently my country's deposit and loan interest rates are still in a semi-controlled state. The People's Bank of China adjusts the benchmark interest rate in a timely manner according to the supply and demand of funds, but it allows commercial banks to freely adjust their deposit and loan interest rates within the prescribed range. Floating. Among them, the loan interest rates of commercial banks and other financial institutions fluctuate between 0.9 and 1.7, which means that the loan interest rate is allowed to fluctuate up to 70% and down 10% based on the benchmark interest rate. But you don’t have to worry, because banks will generally provide a certain degree of increase or discount for different loan products based on the assets and risk profile of the loan applicant.