The benchmark loan interest rates of banks are the same, but the floating interest rates of banks are different. The benchmark interest rates of banks are as follows:
Loans within six months (including six months) 4.60%
Loans from 6 months to 1 year (including 0 year) 4.60%
One to three years (including three years) loan 5.00%
3 to 5 years (including 5 years) loan 5.00%
Loans for more than five years 5. 15%
The information required for mortgage loan is as follows:
ID card, household registration book, marriage certificate, income certificate, bank account, property certificate, land certificate (information provided by married couples).
2. I used a mortgage loan of 6,543,800 yuan+0.9 million yuan in China Agricultural Bank for decoration. I want to know the monthly interest rate of the loan of 654.38+00. What is the annual interest rate？
This question depends on which city, because the housing mortgage loan policy and interest rate of the Agricultural Bank of each city are different. If it is convenient, please elaborate on the agricultural bank policy in your city.
3. How much can ABC's real estate license mortgage loan borrow?
The real estate mortgage loan is 30% of the appraised price of residential buildings, and 5-6 fold of commercial buildings (such as office buildings and storefronts). As for the repayment method, it depends on whether you choose business loan or consumer loan. For commercial purposes, credit is generally 65,438+0 years, and interest is paid every month. Four big banks.
Consumer credit generally lasts for 3 years, with interest paid every month and principal repaid every year. Or it is due to repay the principal (rural commercial banks). You can do it for five years and pay back 2.5% of the principal every six months (or pay interest every month).
If you choose more than 5 years (the longest repayment period of principal and interest must be 10 year), it means that the monthly principal and interest will add up less and less. /kloc-After 0/0 years, you will not owe money to the bank.