At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate: 4.90%.

The mortgage interest rate of major banks is generally 1. 1 times-1.3 times the benchmark interest rate.

Matters needing attention in loan purchase:

1. When trading, ensure that the seller's double certificates are complete, and all the * * * people on the property certificate sign in person before the sales contract takes effect, so as to prevent signature or omission.

2. The expenses involved in the whole transaction process are not collected at one time, so be sure to clarify all the detailed expenses in advance as far as possible to avoid adding various miscellaneous fees in the middle.

3. Choose a well-known celebrity or a formal real estate agency as the supervisor of the delivery of funds and houses by both parties to the transaction, so as to ensure the smooth transfer of ownership after the payment, or the house and money will be paid off after the transfer.

4. The buyer should pay attention to whether the purchased house is in mortgage state to determine the transaction and occupancy time. Extending the loan time after the transaction will bring a lot of unnecessary trouble.

5. Before the transaction, the buyer should clearly determine the conditions and expenses required for the loan to prevent the transaction loss caused by the loan problem after the transaction.