The latest benchmark interest rate for bank loans: 0-6 months (including June) 4.35%, June-1 year (including 1 year), 1-3 years (including 3 years) 4.75%, 3-5 years (including 5 years), 5-. On this basis, there will be appropriate downward floating or upward floating.

2. What is the mortgage interest rate of China Construction Bank?

The longest mortgage loan of Xi 'an real estate license is 10 year, and the required house age is less than 30 years, and the house age is 18 to 65 years old, with a maximum of 80% for houses and 50% for apartments, offices and shops. The principal and interest are equal, the interest is 5-8%, and the next payment is within 5-7 working days.

Three. China Construction Bank Real Estate mortgage interest rates

The mortgage interest rate of China Construction Bank is 6.65% below 5 years (inclusive) and 6.80% above 5 years; There are two ways to calculate repayment: 1. The loan is 300,000 yuan, the term is 10 year, the interest rate is 6.80%: 1, and the equal principal and interest method: the monthly repayment amount is 34,5241yuan (the same every month). The total repayment principal and interest is 4 14289. 19 yuan, of which interest 1 14289. 19 yuan. 2. Average capital method: the repayment amount in the first month is 4,200.00 yuan (it will decrease month by month, and the amount in the last month is 25 14. 17 yuan). The total repayment principal and interest is 402,850.00 yuan, of which interest is 65,438+065,438+0489,38+09 yuan. Compared with the above two methods, the average capital method is less than the equal principal and interest method 1 1439.6438+09 yuan. The specific repayment method can be selected when the bank handles the loan procedures. 2. The loan is 300,000 yuan, the term is 5 years, the interest rate is 6.65%: 1, and the matching principal and interest method: the monthly repayment amount is 5890.95 yuan (the same every month). The repayment principal and interest totaled 353,456.72 yuan, of which interest was 53,456.72 yuan. 2. Average capital method: the repayment amount in the first month is 6662.50 yuan (it will decrease month by month, and the repayment amount in the last month is 5027.438+0 yuan. The total repayment principal and interest is 350,706.25 yuan, of which interest is 50,706.25 yuan. Compared with the above two methods, the average capital method is 2750.47 yuan less than the equal principal and interest method. The problem of prepayment after the mortgage loan of CCB is that one year after the normal repayment of the loan, you can apply for prepayment and settle it in advance in part or in whole.

Four. China Construction Bank 202 1 Interest on two mortgage loans?

The interest rate of China Construction Bank's real estate mortgage loan is calculated on the basis of commercial loan interest rate, and generally rises 10%~30% according to the specific situation. Therefore, the latest mortgage interest rate of China Bank is (unit:%):

The mortgage interest rate of CCB within one year (including one year): 5.335 ~ 6.306;

From one year to five years (including five years), the mortgage interest rate of CCB is 5.775 ~ 6.826;

China Bank has been in mortgage interest rates for more than five years: 5.94~7.02.

Second mortgage, the house of CCB: the house loan has not been paid off, but it has been mortgaged to the bank for real estate loan, and the bank has the right to mortgage it. At this time, China Construction Bank does not allow the collateral to be mortgaged again, so it does not accept this business.

If you want to use the existing housing for the second mortgage, you can seek help from the loan guarantee company.

Can a house be mortgaged for the second time? The answer is yes. According to many sources, mortgaged property can be used for secondary mortgage of houses. However, in order to obtain a loan smoothly, it is best for the borrower to apply for a mortgage twice in the original loan bank, but the amount of the loan obtained should generally not exceed the residual value of the mortgaged property. Customers who want to get a large loan need to repay the loan, cancel the mortgage registration procedures, and then apply for a loan with the property as collateral.

The house used for personal housing in the secondary mortgage must be an existing house, and the auction is not feasible. Houses should be high-quality houses and commercial houses with great market development potential, and houses with low economic value cannot handle mortgages smoothly. In other words, a house can only apply for a second mortgage if it has a superior location, convenient transportation, complete facilities and great appreciation potential.

The bank will review the house according to the conditions of the mortgage bank loan to see if it meets the conditions of the mortgage bank loan. What is the interest rate of the second home loan of China Construction Bank? It depends on whether the lender's credit status can meet the conditions of bank housing mortgage loan, such as whether it has been loaned before and how the repayment status is. There is no bad record, credit card has no bad record, and the repayment situation of credit card is different.