0.6。 The interest rate of farmers' housing loans in Yibin, Sichuan is very low. The interest rate of farmers' housing loan in Yibin, Sichuan is 0.6, which is similar to the bank interest rate.
Changshu rural self-built housing loan interest rate
The interest on housing loans of rural credit cooperatives is about one year in 900 yuan.
The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the first year interest of the loan used by rural credit cooperatives for construction is around 900, and the interest is calculated according to the loan interest rate.
Interest on self-built house loan of Beijing Rural Commercial Bank
Beijing Rural Commercial Bank Housing Loan Interest Rate Table
Project interest rate
Unit (%)
I. Short-term loans
Six months (inclusive) 4.35
One year (inclusive) 4.35
Second, medium and long-term loans
One to three years (including five years) 4.75
Three to five years (including five years) 4.75
More than five years 4.90
Annual interest rate of provident fund loan%
Less than five years (including five years) 2.75
More than five years 3.25
How much is the interest of rural housing loan now?
The interest rate of housing mortgage loan is different, the loan term is within 5 years (including 5 years), and the loan interest rate is 4.77%. If the loan term exceeds 5 years, the loan interest rate is 5.04%. The loan interest rate fluctuates on the basis of the benchmark interest rate. The annual interest rate of housing loans of major banks rises with the mortgage interest rate 15%, and some joint-stock banks rise with the mortgage interest rate 1 1%.
Rural housing loan process
(a) The actual age at the maturity of the loan is usually no more than 65 years old; And have a legal job and a relatively stable source of funds, and have the strength to repay the loan interest on time; Hope and be able to provide real estate mortgage approved by the lender; Real estate * * * Some people agree with their corresponding loans and guarantees, and should be responsible for the corresponding legal basis.
(2) Standard of pledged house: The house property certificate should be clear, meet the sales and trading standards required by China, and can move into the real estate market without other pledges; Mortgaged houses are not included in the local reconstruction plan, and there are houses and land use certificates issued by real estate companies and land management departments; Everyone of the collateral can be a lender or someone else. If all other people's houses are used as collateral, the mortgagor shall provide a verbal service commitment to allow the lender to use his house as collateral to handle the loan, and ask the mortgagor and his relatives or other house owners to sign it.
(3) Materials to be submitted by the lender: The materials to be provided by the lender include: identity documents and household registration books; Personal income certificate (stamped with the official seal of the company); Individual industrial and commercial households need a copy of the company's business license (stamped with the company seal); Marriage certificate; Identity documents and household registration books of the lender's relatives; Real estate license; The application report of the owner of the house and the owner of * * * who are allowed to pledge and the proof materials for the purpose of the loan.
(4) Loan funds, term and annual interest rate: the starting point of housing mortgage loan is 6,000 yuan, and the higher amount cannot exceed 75% of the appraised market value of mortgaged real estate. The loan term usually does not exceed 5 years, and the longest term can be 65,438+00 years. The loan interest rate shall be implemented according to the commercial loan interest rate required by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis.
Interest rate of ordinary people's loans for building houses in new countryside
5.6%-6.55%。 The interest rate of new rural people's housing loan depends on the time.
1, short-term: 5.60% within half a year (including half a year) and 6.0% from half a year to one year (including one year).
2. Medium-and long-term loans: 6. 15% for one to three years (inclusive) and 6.40% for three to five years (inclusive); More than five years, 6.55%.
This is the end of the introduction of housing loan interest rate and housing loan interest rate calculator. I wonder if you found the information you need from it?