1. What's the interest rate of each bank's house loan? Which bank has the lowest mortgage interest rate

ICBC, Bank of China and Bank of Communications have a 15% discount

Other banks have a benchmark of 7.5%

Second, which bank has the lowest mortgage interest rate

Take Foshan as an example. At present, the interest rate of the first home loan in Foshan has generally dropped to 5.6%, with a minimum of 5.4%, and the second home loan has dropped to 5.8%, with a minimum of 5.6%. The ranking of the interest rate table of the first home loan of each bank is as follows: Industrial Bank: 5.4%; Hang Seng Bank: 5.45%; Agricultural Bank: 5.6%; ICBC: 5.6%; Bank of Communications: 5.6%; Rural commercial bank: 5.6%; China Merchants Bank: 5.7% Postal Savings Bank: 5.7%. Matters needing attention in applying for a mortgage: the credit record is called an economic identity card, and our credit record, credit card and loan liabilities, home address, and even mobile phone number and water and electricity arrears records will be reflected in the credit record. When the bank reviews the mortgage, it will check the credit status of the buyers. If the credit card or other loans are overdue for three consecutive times or accumulated for six times, this situation will basically be refused. In a word, everyone should pay attention to the credit problem, and keep good credit information regardless of whether to consider buying a house. In terms of age, although they are eligible to apply for a mortgage as long as they are adults, most younger buyers will be refused a loan or have their loan amount reduced, because most people in this age group have unstable income and need their parents to help them repay their mortgage. Therefore, it is generally difficult for younger buyers to obtain loans, mainly young people aged 18-21, and people aged 3-4 are more favored by banks. Bank running water bank should not only check the credit records of buyers, but also ask buyers to provide bank running water and income certificates for half a year or one year. Banks generally require the monthly income of buyers to be 2 times or 2.2 times of the monthly loan. For example, if the monthly payment of the loan amount that the buyer wants is 5, yuan, then the monthly income of the buyer needs to reach at least 1, yuan or 11, yuan. Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan that is filled in by the buyer to the loan bank, and the legal documents, such as ID card, income certificate, housing sales contract, guarantee, etc., must be submitted. After passing the examination, the loan bank promises loans to the buyer, and handles real estate mortgage registration and notarization according to the housing sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loaned funds to the selling unit within the time limit stipulated in the contract. There are two repayment methods for housing loans with a loan term of more than one year: equal principal repayment and equal principal and interest repayment. Average capital divides the total amount of loans into equal parts during the repayment period, and repays the same amount of principal and the interest generated by the remaining loans in that month every month. Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate Equal principal and interest means to repay the loan with the same amount (including principal and interest) every month during the repayment period. Monthly repayment amount = [loan principal × monthly interest rate × (January interest rate) repayment months] ÷ [(January interest rate) repayment months-1]

3. Which loan has the lowest interest rate? Which bank has lower interest on mortgage? Get the lowest loan interest rate. However, the loan interest rate is often determined by the borrower's personal qualifications, loan application type, loan application time, repayment period, repayment method and other factors, which bank has a lower interest rate on mortgage loans? Let's get to know each other!

what kind of loan has the lowest interest?

The products loaned by all banks are provident fund loans and mortgage loans.

the interest rate of provident fund loans does not fluctuate with the LPR interest rate. Generally, the interest rate of provident fund loans above the central bank and the banking insurance regulatory commission is the annual interest rate, which is the same throughout the country.

in mortgage loans, generally speaking, the interest rate of mortgage loans is the lowest. Because the risk of mortgage loan is very small, and the property is mortgaged, so many banks are very happy banks' real estate mortgage loans

For example, the benchmark interest rate of CCB's ordinary loan is , while the benchmark interest rate of real estate mortgage loan is compared with the provident fund loan interest rate. The interest rate of mortgage loan is naturally relatively high, but other loan products are actually quite low.

If a borrower wants to apply for a provident fund loan, the loan qualification and loan amount will be greatly restricted. However, there is no limit on the loan amount of mortgage loan, which is mainly determined according to the value of collateral provided by the borrower.

which bank has a lower interest rate on mortgage?

Of all those who can apply for a mortgage, it is naturally the lowest. Among the four major banks, China is mainly based on the personal qualifications of borrowers, not just banks.

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