Harbin is a beautiful city with high housing prices. Many people want to buy a house here, but because of the high housing prices, many people need loans. This paper will introduce the interest rate, quota and process of second-hand housing loan in Harbin in detail, so as to help those in need better understand the second-hand housing loan in Harbin.

I. Interest rate

The second-hand housing loan interest rate in Harbin, like the mortgage interest rate in other cities, is determined by the People's Bank of China. At present, the second-hand housing loan interest rate is 1. 1 times the benchmark interest rate, that is, 4.9%.

However, in practice, the bank may adjust the floating interest rate according to the customer's situation. Therefore, when applying for a loan, it is recommended to communicate with the bank manager in detail to understand the specific situation of interest rates.

Second, the amount.

Harbin second-hand housing loan amount is evaluated by the bank according to the customer's income and credit. Generally speaking, the amount of second-hand housing loans will not exceed 70% of the assessed value of the house.

For example, the evaluation value of a second-hand house is 6,543,800 yuan, and the bank only borrows 700,000 yuan at most. Of course, the specific amount needs to be evaluated according to the customer's situation.

Third, the process

Harbin second-hand housing loan application process is generally as follows:

1. Understanding loan conditions

Before applying for a loan, you need to know the loan conditions of the bank, including the loan interest rate, amount and repayment method. At the same time, you need to know your income and credit. In order to choose the loan scheme that suits you.

Choose a bank

Choose a bank with good reputation and good service to apply for a loan. You can learn about the bank's loan policies and services through bank official website, telephone and on-site consultation.

3. Submit a loan application

Prepare relevant materials, including ID card, household registration book, work certificate, income certificate, housing certificate, etc. , and submit a loan application. The bank will evaluate the applicant's situation and determine the loan amount and interest rate.

Evaluate the value of the house

The bank will evaluate the house to determine its value. Determine the final loan amount according to the value of the house and the customer's situation.

5. Sign a loan contract

If the loan application is approved, the bank will sign a loan contract with the customer. The contract will stipulate the interest rate, term and repayment method of the loan.

make a touch

After signing the loan contract, the bank will release the loan to the customer's account. The customer can make repayment according to the repayment method agreed in the contract.