The annual interest rate of commercial loans of China Merchants Bank is divided into the following four interest rates.

Bank 2023-01-07-25 reading

1. Short-term loan: the interest rate is 4.35% within 6 months (including 6 months) and 4.35% from 6 months to 1 year (including 1 year);

2. Medium and long-term loans: the interest rate is 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years;

3. Discount: add the discount rate as the lower limit;

4. Personal housing public rental loan: the interest rate for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.

The above is the relevant content of the commercial loan interest rate of China Merchants Bank in 2022.

How to handle real estate mortgage loan in China Merchants Bank

_

1. The borrower prepares the loan-related materials in advance;

2. Clearly apply to China Merchants Bank for housing mortgage loan;

3. After submitting the information of house inspection and evaluation, the bank shall conduct on-site investigation and evaluation on the pledged property according to the submitted information. Each stage is an important part of the steps of housing mortgage loan. At this stage, the user's housing mortgage loan amount is directly determined. Generally speaking, there will be some differences between the evaluation and the market price, because the evaluation agency will consider many factors;

4. Submit the loan approval, and submit all loan review materials and analysis reports or investigation reports to the bank for review. At this time, the loan user must pay attention and prepare all the materials. If something is missing, it will affect the progress of the loan.

China Merchants Bank mortgage approval process

_

1. Apply for a trial: when the customer service submits the materials, the staff will conduct a preliminary review to see if it meets the requirements of the loan, and if it does, it will try its loan application;

2. Material handling: After hearing the loan application, the approving personnel of the relevant departments will check the materials submitted by the customer service, mainly to see if they are true;

3. Loan approval: After the materials are verified correctly, they are submitted to the superior unit for re-examination, which is also called approval;

4. Prepare the next payment: the examination and approval meeting will inform the borrower that the mortgage application is approved, and the borrower will go to the bank to sign the contract;

5. After the house payment is successful, the bank will put the money into the account of the real estate agent and then notify the borrower.

Characteristics of time deposits of China Merchants Bank

_

What is the general interest rate for mortgage bank loans?

If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets. At present, the benchmark interest rate basically rises by 40-50%, that is, the annual interest rate is 6.86%-7.35%.

Generally, the interest rate of mortgage loans from banks with real estate licenses is around 4.35%. According to different houses and lenders, the interest rate of mortgage loans will be different, subject to the actual lending rate.

Real estate license to apply for mortgage loan needs to meet the following conditions:

(1) China citizen with legal status, aged 18-65 years old (inclusive), with full capacity for civil conduct;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There are legal and effective collateral certification materials; (such as real estate license, land certificate, etc. )

(4) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

(5) Being able to provide effective guarantee recognized by the lending bank;

(6) Other conditions stipulated by the lending bank.

China Merchants Bank mortgage interest rates

Between 0 and 6 months, inclusive, the annual interest rate of the loan is 4.35%; 2. The loan term is between 6 months and 1 year, including one year, and the annual interest rate of the loan is 4.35%; 3. If the loan term is between 1 year and 3 years (inclusive), the annual interest rate is 4.75%; 4. If the loan term is 3-5 years ago (including 5 years), the annual interest rate is 4.75%; 5. If the loan term is between 5 and 30 years (including 30 years), the annual interest rate is 4.9%.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate The loan interest rate must also take into account price changes, securities returns, politics and other factors.

The decisive factors of bank loan interest are: ① Bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. ② Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. (3) the supply and demand of borrowing money and funds. Supply exceeds demand, and the loan interest rate will inevitably fall.

The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.

The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the loan interest rate clause is the main clause of the loan contract. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits stipulated by the People's Bank of China.

What is the mortgage interest rate of China Merchants Bank?

1. The benchmark interest rate for one-year commercial loans is 4.35%.

2. The benchmark interest rate for commercial loans from one year to five years (including five years) is 4.75%.

3. The benchmark interest rate for commercial loans over five years is 4.90%.

4. The annual interest rate of provident fund loans for less than five years (including five years) is 2.75%.

5. The annual interest rate of provident fund loans for more than five years is 3.25%.