On July 7th, 20 1 1, the People's Bank of China adjusted the loan interest rate for the last time, and the benchmark interest rate for loans over five years was 7.05%. At the beginning of 20 12, all commercial banks took this as the standard. So far, the People's Bank of China has not changed the benchmark loan interest rate.
2. The mortgage is floating up and down on this basis. Commercial banks rose 10-20% during the Spring Festival. After the two sessions, it basically fell to the benchmark interest rate or the benchmark interest rate of 9.5 fold and 10 fold.
3. As long as the borrower has no bad record, stable income, sufficient collateral, repayment ability and meets the conditions of the first national housing loan, he can enjoy the preferential bank loan policy.