June 5438 +2023 10, when the central bank opened the door, a wave of benefits came, which was full of sincerity! 1October LPR 1 Price released: 10 BP for one year and 5 BP for five years. In 2023 1 October 20th, 65438, the loan market quoted interest rate (LPR) was:1year LPR 3.7% and 5-year LPR 4.6%.

With the arrival of interest rate cuts, bank products have also been adjusted. Are you satisfied with the 3.7% mortgage interest? Not much to say, look at the product right away.

Product advantages:

1. You can apply for 3.7% (the best product in the secondary mortgage market at present) for the interest rate of the primary secondary mortgage, with rating standards.

2. The company can hold for half a year, and the business trace is light.

3. Other companies and real estate in Shanghai can do it (at present, entities in Jiangsu and Zhejiang can do it).

4. Accept the property for more than 30 years.

5. Accept more than 2 million houses (Shanghai's 2 million houses are accepted in Baoshan, Jiading, Songjiang, Qingpu, Nanhui, Jinshan and Fengxian, and other areas need more than 3 million houses, and Chongming cannot apply).

6. The principal and interest can be repaid in equal amount for 20 years at the longest, and the loan needs to be renewed once every 3 years, and the principal is not repaid (balloon loan).

Product details:

This product has certain advantages in interest rate and repayment method. At present, the interest rate has reached the low level of two mortgage loans. Compared with before, the company and the real estate license must be held for 12 months (less than 12 months, some situations can be communicated). This time, the requirement for holding the company for half a year is greatly reduced, and the business traces are lighter. It can be seen that the policy has changed a lot and the requirements have been gradually relaxed.

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