First, in 221, the mortgage interest rate in Beijing

For commercial loans, the short-term loan is 4.35% within one year (including one year). Medium and long-term loans for one to five years (including five years) are 4.75%. More than five years is 4.9%. Personal housing provident fund loans, less than five years (inclusive) is 2.75%. More than five years is 3.25%. 1. At present, more and more banks in Beijing have lowered the interest rate of the first home loan from the benchmark interest rate by 1% to 5%, and the speed of approval and lending has also accelerated. The interest rate of the second home loan has remained at the benchmark interest rate by 2%. Market participants predict that under the influence of favorable RRR cuts, the mortgage interest rate will show a steady decline this year. Second, in terms of approval and lending speed, a personal loan manager of China Construction Bank said that the bank approved the mortgage before registration, and the approval speed mainly depends on the qualifications of the purchaser, the loan amount and the floating rate. The loan application with good qualifications, high loan amount and high floating rate has a fast approval speed. After the approval, it usually takes a week or two to register the mortgage. At the beginning of the year, the quota is enough. After approval, as long as the mortgage registration is completed, the loan can be released the next day. The mortgage interest rate refers to the interest rate stipulated by the state or the bank when buying a real estate loan. Three, the bank mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. 1. Housing provident fund loan: For residents who have participated in the payment of housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. That is to say, there is a spread between the mortgage interest rate of housing provident fund and the bank deposit interest rate. At the same time, housing provident fund loans will be charged by half when handling mortgage and insurance related procedures. 2. Commercial loans for individual housing: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 3% of the funds needed to purchase a house, and it is used as the down payment, and assets recognized by the loan bank are used as collateral or pledge, or units or individuals with sufficient compensatory ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan. 3. Personal housing portfolio loan: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally 1,-29, yuan. If the purchase price exceeds this limit, the insufficient part should apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of a bank. The interest rate of portfolio loan is moderate and the loan amount is large, so it is more selected by lenders.

Second, the conditions for the second mortgage of Beijing real estate

Can't be a big head and a small tail

Third, what is the interest rate of real estate in two mortgage, and which bank in Beijing has a low interest rate?

hello, two mortgage, it usually depends. Basically, it's going up, and how much it goes up depends on the bank's interest rate on the fourth and second mortgage property.

There is no difference between the first mortgage loan and the second mortgage loan. Now the loan interest rate can be increased by 1%-5%. The loan amount and personal assets will affect the bank's adjustment of loan ratio. Mortgage bank loan procedures:

1. Need to open a current deposit account in the bank's business organization;

2. Please fill in the loan application form as required, and submit the application form and required materials according to the instructions of the bank;

3. Home visits shall be conducted by bank managers or appointed lawyers to investigate the authenticity, legality and completeness of the information provided;

4. After the approval of the bank, notify the approval result and sign a loan contract;

5. handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank directly transfers the loan to the account agreed in the contract;

7. Please repay the principal and interest as stipulated in the loan contract. I hope my answer can help you.