1. According to our official channel of Zhongyuan Bank, the loan interest rate of Zhongyuan Bank fluctuated basically according to the benchmark interest rate of the central bank in 20 19. Friends who have loan experience must know that the loan interest rate will depend on different loan products, personal assets and credit information, and there is no uniform standard. So if a friend wants a loan, he can consult the local Zhongyuan Bank.
2. Short-term loan: within 6 months (including 6 months), the loan interest rate is 4.35%; The loan interest rate from 6 months to 1 year (including 1 year) is 4.35%.
3. Long-term loan: 1 to 3 years (including 3 years), with a loan interest rate of 4.75%; 3 to 5 years (including 5 years), the loan interest rate is 4.75%; For more than 5 years, the loan interest rate is 4.90%.
Application conditions of real estate mortgage loan
I. Conditions of the Borrower
1. The applicant must be at least 18 years old and not more than 65 years old.
2. The applicant can provide the local account or valid residence certificate of the loan bank and have a stable residence in the loan bank.
3. The applicant has a legal and stable job and income source.
4. The applicant must have no bad credit record, good personal credit and no illegal and criminal acts.
Second, the conditions of mortgaged property
1. The real estate used for mortgage must be commercial houses, residential houses, rural houses, welfare houses, self-built houses and houses with small property rights, and cannot be used as mortgage.
2. The property right of mortgaged real estate must be clear, and there must be real estate license and land use right certificate issued by real estate department and land management department. And if the property used for mortgage is * * *, then it must be * * * everyone agrees to mortgage.
3. Mortgaged real estate can't be in mortgage state and can't be included in urban demolition planning.
Generally speaking, everyone's qualifications are different, and the loan interest rate cannot be generalized. It is necessary for everyone to know more about it. Of course, besides banks, there are many financial loan companies for you to choose from. Just make a phone call and submit the information, which is convenient, simple and time-saving.