It is the same. If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

Want to know the benchmark interest rate information, please open the following website ().

What is the annual interest rate of commercial loans and mortgage loans?

At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.

What is the interest rate of commercial housing loan?

Since 20 15, 10124, the central bank's benchmark interest rate has not changed, as follows:

1, the benchmark interest rate of commercial mortgage.

(1) Within one year, the interest rate is 4.35%.

(2) The loan term is one to five years and the interest rate is 4.75%.

(3) If the loan term exceeds five years, the interest rate is 4.90%.

2. benchmark interest rate of provident fund mortgage.

(1) The loan is within 5 years, and the interest rate is 2.75%.

(2) If the loan is over 5 years, the interest rate is 3.25%.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low;

On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Processing flow:

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB conducts loan approval.

4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

Which interest rate is higher, mortgage loan or commercial loan?

At present, the housing mortgage loan is cost-effective, but it is limited to operating mortgage.

The current one-year lpr interest rate of housing mortgage loan is 3.85%, and the five-year lpr interest rate is 4.65%. At present, the minimum mortgage loan for housing operation can reach 3.75%.

In a broad sense, mortgage loans include personal consumption loans and commercial loans. Specifically, consumer loans can be used for car purchase, tourism, decoration, medical care, study abroad and other consumer fields, while operating loans are used for commercial purposes as the name suggests.

The biggest difference between mortgage loan and mortgage loan is that mortgage loan is that buyers borrow money from banks to buy houses, while mortgage loan is that borrowers borrow money from banks for consumption or business. Such as car purchase, travel, decoration, medical treatment, study abroad or commercial use.

What's the interest rate for commercial loans?

At present, people generally buy houses through bank loans, among which bank loans can be divided into provident fund loans, commercial loans and portfolio loans, and commercial loans in the middle are also a common way at present. Let's talk about something that everyone is interested in. What's the interest rate for commercial loans?

What's the interest rate for commercial loans?

Commercial loans are actually personal housing loans. Commercial loans are for natural persons with full capacity for civil conduct, including employees who pay housing provident fund. Take Beijing as an example. At present, the maximum amount of provident fund loans can reach 6.5438+0.2 million, which is the highest application amount when buying the first suite. How long the provident fund loan can last depends on the borrower's age, housing age, even brick-concrete structure or steel-concrete structure. But also related to the average monthly income of loan applicants. You can consult the local housing provident fund management department for details.

The interest rate of commercial loans is different from that of provident fund loans. For example, the benchmark interest rate for the first set of commercial loans over five years is 4.9%, and the interest rate for the first set of provident fund loans over five years is 3.25%. As of June 65438+1October 65438+March 2020, the benchmark annual interest rate of commercial loans is 0-6 months (inclusive), 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%. Of course, the loan interest rate also needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after approval by the handling outlets. At present, bank housing mortgage loans are divided into self-owned property and mortgage property mortgage loans, and the interest rates of the two loans are different. The interest rate of mortgage loan is usually higher than that of self-owned property. Secondly, the real interest rates implemented by different regions and different banks are also quite different. However, the actual interest rate is generally based on the benchmark interest rate and is implemented in a certain proportion.

What is the interest rate of commercial loans now? Is there any understanding? For students who want to apply for commercial loans, they need to make a correct judgment on their repayment ability when applying for loans, plan repayment according to their income level, leave room appropriately, and choose the appropriate repayment method without affecting their normal life.

This concludes the introduction of commercial loans, mortgage interest rates and housing mortgage interest rates. I wonder if you have found the information you need?