1, the interest rate must have been discounted. For example, if you get a 15% discount on your loan now, your 15% discount will remain unchanged during the repayment period no matter what the benchmark interest rate of the central bank is. In other words, the benchmark loan interest rate will change according to the adjustment of the central bank, and the discount of the loan interest rate will be implemented for a long time according to the 15% discount signed by the contract.

2. The loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1.0 times or 65438 times of the benchmark interest rate.

Commercial loan interest rate:

Interest rate item interest rate (%)

Within six months (including six months) 4.35

Half a year to one year (including 1 year) 4.35

One to three years (including three years) 4.75

Three to five years (including five years) 4.75

More than five years 4.9

Mortgage conditions:

First of all, you must meet the outstanding loan twice (paying off is also counted);

Secondly, there is no bad record or overdue but within the scope of bank acceptance;

Thirdly, you must be 18 years old (generally, banks are more likely to lend at the age of 22);

Other information: invoice or receipt of down payment for house purchase, income certificate (or bank flow, which proves that the monthly income is more than twice the monthly loan), marriage certificate (married or unmarried), household registration book, provident fund account (if any), ID card (or military officer's card), etc. ), social security or tax payment certificate, housing evaluation report.

Mortgage loan process:

1. The developer and the bank determine the loan ratio and term.

2. Both parties sign the house purchase contract, choose the payment method and pay the down payment.

3. Submit relevant documents to the law firm designated by the bank and pay legal fees.

4. Submit relevant documents to the bank for review.

5. Inform the customer to handle the loan procedures.

6. When signing the insurance contract, the insurance premium in home insurance (0.56‰, excluding earthquake) = insurance amount × annual rate × service life coefficient.

7. The buyer, the developer and the bank sign relevant contracts.

① Loan contract ② Guarantee contract ③ Mortgage contract