Commercial loan: the loan interest rate is 4.35% within one year; The loan interest rate for one to five years is 4.75%; The loan interest rate for more than five years is 4.90%. Provident fund loan: the loan interest rate for less than five years is 2.75%; The loan interest rate for more than five years is 3.25%. The commercial loan interest rate of the first suite of Bank of Communications is generally 15% higher than the benchmark interest rate, and the interest rate of the provident fund loan to buy the first suite is based on the benchmark interest rate.
Extended data:
Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.
Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.
Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period. When you sign the house sales contract, you can apply for a commercial loan from the bank.
The full name of the provident fund is: housing provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements of the Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. On the same day, People's Republic of China (PRC) and the Ministry of Housing and Urban-Rural Development confirmed the national housing provident fund service logo, which will be used from now on.
Housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas. Only on-the-job employees can establish a housing provident fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system. The housing accumulation fund consists of two parts, one part is paid by the unit where the employee works, and the other part is paid by the individual employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
Bank of Communications loan conditions
Bank of Communications mainly provides personal consumption loans, personal housing loans, personal, personal commercial housing loans and personal business loans. The following mainly introduces personal consumption loan conditions and personal housing loan conditions.
First, personal consumption loan conditions
1. Provide valid identification and marriage certificate.
2. There are reasonable loan purposes, such as relevant contracts, receipts, payment vouchers, etc.
3. Have a stable job and income, and be able to repay the principal and interest on time.
4. Other relevant conditions
Second, the individual housing loan conditions
1. Provide valid identification and marriage certificate, such as ID card, household registration book or marriage certificate.
2. There is a commercial housing purchase contract or agreement.
3. Good personal credit
4. Have a stable job and income, and be able to repay on time.
5. Other relevant conditions