Which bank has a low interest rate on housing loans?
1. The mortgage business of HSBC has been carried out in China 12 cities. In addition to Zhuhai's current suspension of mortgage business, other cities have greater concessions. Not only in second-tier cities, there is a low interest rate of 15%, but also in first-tier cities, buyers can enjoy an ultra-low discount of 8.2%. The implementation interest rate is only equivalent to 4.0 18%, and a little lower is close to the interest rate of 3.25% of the provident fund.
2. China Construction Bank. Low loan interest rate is a good thing, but it is important to buy a house with a loan. I'm sorry that the bank turned you down when it approved the mortgage loan. When applying for a mortgage, you must find a bank that values mortgage customers.
3. Ping An Bank. Just as the major banks stepped up their efforts to lay out the mortgage market with low-priced cards, one bank did the opposite and expressed its support for the mortgage business? Disdain? .
How to choose a bank for buying a house with a loan?
1, choose a big brand. For customers, brand bank means that this bank has a good reputation in the industry all the year round, diversified financial products, professional and efficient services and more secure later services. Property buyers choose brand banks with safe funds and good service quality, such as the five major banks.
2. Look at the bank interest rate. Although the benchmark interest rate of bank loans for more than five years is 4.9%, due to the different enthusiasm and policies of real estate executives in different cities, buyers will face the problem of raising interest rates when buying commercial houses or second suites, so buyers should make more comparisons and choose the one that is more suitable for them.
3. Look at the liquidated damages. Some banks not only have liquidated damages for overdue repayment, but even some banks will charge liquidated damages for customers' partial prepayment, which is very stressful for customers who want to save interest through partial prepayment. Therefore, when comparing banks, be sure to ask the limit of liquidated damages so as not to get bored.
4. Look at the surcharge. In addition to the monthly principal and interest, the loan cost also includes handling fees and other miscellaneous fees that buyers need to consider. General mortgage needs to pay property insurance premium and mortgage registration fee. Therefore, property buyers should know the extra cost when consulting the interest rate, so as to clearly analyze the loan cost.
5. Look at the preferential threshold. The loan threshold of each bank is different, and the preferential threshold is naturally different. Usually, banks have certain requirements for customers who want to get preferential interest rates on loans, but not all customers can enjoy preferential interest rates or enjoy low interest rate discounts.
We bought a house with my loan. Which bank has a low interest rate? After learning the knowledge of how to choose a bank to buy a house by loan, we know that different banks have different loan requirements, different preferential policies and different interest rates, so we should be careful when choosing. I hope my introduction above can help you.