With the introduction of relevant policies, most mortgage interest rates now adopt LPR plus points. Although LPR is officially announced, banks should also take it as the base, but different banks add different points. Although the gap is not big, the interest gap will naturally be bigger because of the high mortgage amount. Therefore, before lending, you must ask several banks to find out how much different banks will add. Choosing a bank that adds less can save some interest. If you are a friend in Shenzhen, you can also consult Huiying Jin Fu to find out.

2. The choice of repayment method

At present, there are two main ways of mortgage repayment, one is equal principal and interest, and the other is average principal. There is a big difference between the two, and the total interest expenditure is also different. If you want to save interest, you can choose the repayment method in average capital. Although the repayment pressure in the early stage of the loan is great, the total interest expenditure will be much less. Matching principal and interest is good. Although the total interest to be paid is more, each repayment amount is fixed and the repayment pressure is less. When choosing the repayment method, you should choose according to your actual situation. After all, only the most suitable is the best.

3. Repayment period

Although the longer the mortgage term, the more interest you need to pay, but I still suggest that the longer the mortgage term, the better. Because mortgage is one of the loans with the lowest interest rate on the market at present, the longer the loan term, the better it can resist inflation, and the funds in everyone's hands can also be used for other investment and wealth management. However, if you can afford a large monthly payment and have no plans to invest in financial management, then choosing a shorter repayment period can also effectively save interest.

What is the interest rate for buying a house with a bank loan?

1. At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

2. The second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites.

How to choose a housing loan bank

1, see the strength of mortgage interest rate concessions.

Choosing a bank depends first on the mortgage interest rate. Now, interest rates have generally increased. The mortgage interest rate in June 5438+February has increased by more than 20% year-on-year. Discounts have become extremely precious. If the interest rate is low, more interest will be saved, and real money will be saved.

2. Look at the loan threshold.

Low interest rates are one thing. Note that the low interest rate mentioned here is only relative. Banks with interest rates below 5% are considered to have low interest rates.

However, in order to obtain low interest rates, certain conditions must be met. For example, some banks stipulate that high-quality customers can get lower interest rates. Among them, quality customers may require the borrower's work unit and income, or require a bachelor's degree or above. Some banks have restrictions on the age of second-hand houses, for example, the longest age of second-hand houses cannot exceed 20 years, some banks strictly require that it should not exceed 15 years, and some require that it should not exceed 10 years. Therefore, it is very important to look at the threshold of bank loans.

3. Look at the speed of lending

The other is the speed of bank loans. After submitting the materials, it will take some time for the bank to approve the loan. Many buyers complain about the slow loan speed. I remember a netizen wanted to sell the old house for a new one. The buyer who bought his own house applied for a mortgage last July. The loan to 10 hasn't come down yet, so he can't get the balance of the house and can't afford the new house. He had to borrow money from relatives and friends to pay it back, and wait 1655.

4. Look at the interest rate adjustment method again.

Over the past year, the central bank's forecast of raising interest rates has been constant. The most direct impact of raising interest rates is the increase of monthly payment and total interest. The specific implementation of banks mainly depends on the requirements of loan contracts signed with banks.