Chuzhou property market found mortgage interest rates, a preferential bank of Chuzhou 12. At present, the first home loan interest rate is 5.73%, and the second home loan interest rate is 6.22%. At present, the loan interest rate of the first suite of major banks in Chuzhou is lowered by 15 basis points, and the second suite is also lowered by 15 basis points. As for the lending time, it mainly depends on whether the materials are complete, whether the amount is sufficient, and whether the lender is eager to lend money. Considering the actual situation of the bank, it may be several weeks to several months. At present, banks are well funded. If they want to buy a second-hand house, basically every bank will do it, and the interest rate is similar to that of a new house.

1, the first suite refers to the purchase of only one set of housing (subject to the national first suite certification standard [1]). The People's Bank of China stipulates that China urban residents can enjoy preferential policies such as preferential mortgage interest rate and minimum down payment when purchasing the first suite. 2065438+On September 30th, 2004, the People's Bank of China issued the latest housing loan policy, and decided to relax the recognition of the first home. For families who own a house and pay off the loan, the first home policy will be implemented, with the minimum loan interest rate of 70%. From August, 2065438 to August, 2009, mortgage interest rates in many cities across the country increased by 20%. Three conditions must be met at the same time: the buyer 18 years old; The purchased house is an ordinary house of 90 square meters or less (ordinary houses of 90 square meters or less enjoy preferential deed tax rate1%); There is no house purchased alone or with others in the name of the buyer. However, according to the housing reform policy, houses purchased with parents and obtained through inheritance or demolition and resettlement are excluded.

2. Housing loan refers to the legal documents such as the ID card, income certificate, housing sales contract, guarantee letter, etc. that the property buyer fills in the "Application Form for Housing Mortgage Loan" to the loan bank. After passing the examination, the loan bank promises the loan to the buyer, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer. Within the time limit stipulated in the contract, the loan funds will be directly transferred to the bank account of the selling unit.