Hello, at present, the benchmark interest rate of bank mortgage is 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), 4.75% for 1-3 years (including 3 years) and 4.75% for 3-5 years (including 3 years).

Second, Nanjing housing mortgage loan policy

After the adjustment in the first half of the year, Nanjing's mortgage market has gradually become clear in policy. At the end of July, the latest spirit of the People's Bank of China pointed to operating loans, and once again stressed that operating loans must accurately support small and medium-sized enterprises, and it is strictly forbidden to flow into the housing market and the stock market. Almost all the product outlines of banks put the investigation of real operation in the first place. So, what impact will the actual loan process have on customers with various needs? This paper will analyze the different loan demand scenarios of three typical borrowers in detail. 1. Lending customers generally refer to the outstanding mortgage loans that are about to expire in the name of individuals or enterprises, and face the demand for lending. The purpose is to extend the loan period and repay the principal. Due to the loosening of the policy in 2020, there have been a large number of borrowers who have no real business. Many people apply for 3.85% products, especially many products of the four major banks, just to get the one-year loan benchmark interest rate. A year later, the situation changed. Banks began to investigate real business in multiple dimensions. If this problem cannot be solved in the short term, they will face the risk of loan withdrawal. This kind of customer base is large and it is also the most troublesome one. The solution is simple, from the low-interest products of the four major banks to joint-stock commercial banks, with a fixed term of 3-5 years. These products are characterized by high interest (above 20bp on average) and high percentage (generally 2. Debt restructuring customers have many outstanding short-term loans in my name and want to change them into low-interest long-term loans. There are not a few borrowers with this demand in the market. Last year, I resolved more than 20 similar debt restructurings, and I am familiar with this situation. However, no matter how clever a woman is, she will not cook without rice. 10-20 years long-term mortgage loan was required to be rectified by CBRC. At present, most banks pay interest three years in advance, and a few pay interest five years in advance. The change brought about by this adjustment is that borrowers will face the risks of banking policies before and after the expiration of the 3-5 year term. Just as 3.85% of loans last year will not be renewed this year, such borrowers must pay attention to screening information when choosing loans. Many bank products avoid importance in external publicity, and 10 year credit line and 10 year term are not the same concept at all. The good news is that at present, there are few products that can meet the needs of debt restructuring, and the longest term is 10 year, with interest first and capital later. 3. Non-legal person borrowing Because this year's commercial loans generally require the borrower's business license to be more than 6 months, it is difficult for friends without legal person qualification to get loans. Fortunately, consumer mortgage loans, which almost disappeared last year, have become active again. Some commercial banks are at the forefront and can apply for a minimum interest rate of 4.65% for three years, but the limit is 2 million. If this amount is exceeded, only products with relatively high interest rates can meet it. The above summarizes the impact of Nanjing's latest mortgage policy in August on the three types of loan scenarios, and the next part updates the most advantageous mortgage products in August, so please pay attention. Related questions and answers:

3. Can a house with real estate license in Nanjing be mortgaged?

If it is a personal loan of China Merchants Bank, commercial housing and commercial premises with clear property rights and strong liquidity are accepted as collateral, and the property right certificate must have been handled, the property right is clear, it is listed and circulated, the mortgage registration can be handled according to law, and there are no adverse liquidation situations such as property rights disputes. Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.

4. How to apply for Ping An Pratt & Whitney Housing Mortgage Loan in Nanjing?

For the second mortgage of the house, it is recommended to choose Ping An Pratt & Whitney E loan. After all, it's a big institution. Don't worry, you are more worried about the collateral. Characteristics of Ping An Pratt & Whitney Real Estate Mortgage Loan;

1. The financing speed is a low-risk product, and the approval speed is faster.

2. Concise application materials, investigation and review.

3. Easy credit elements, according to the lender's own situation

4. Various kinds of collateral. Different kinds of real estate can be used as collateral.

5. Mortgage various credit products!