As for mortgage, if it is a personal housing provident fund loan, then according to the central bank's benchmark interest rate, the mortgage interest rate for more than five years is 3.25%.

If it is a personal commercial housing loan, the interest rate will be determined according to the LPR interest rate. Among them, the quotation of LPR is: 4.65% for more than 5 years; Regarding the benchmark amount, the regulations of different regions and banks will be different.

However, please note that the central bank stipulates that the interest rate of individual housing loans cannot be lower than the corresponding LPR；; ; The minimum interest rate for the second set of commercial housing loans cannot be lower than the benchmark interest rate by 60 basis points (i.e. 0.0 1%).

Local policies are different. For example, in Beijing, the interest rate of the first home commercial loan is the lowest LPR+55；; ; The lowest interest rate for the second set of commercial housing loans is LPR+ 105.

How to apply for a loan to buy a house?

1. Check the front desk of the house.

Before looking at the house, he can make an investment plan and take out the first money he can get. It is best to have a specific amount for the first loan, and choose a suitable house within this interval. Choose the right house according to your own conditions. You can buy two sets if you fail.

2. On-site inspection

Looking at the house in the sales office, we must look at the project sand table, the house sand table, the lot sand table and so on. Learn more about the project. Need to consult the supporting and planning of nearby houses, house unit price, preferential activities, etc. If you know it quickly, it's usually under planning. You can go to official website to check the surrounding planning.

3. Rank and choose rooms

In some concentrated areas, developers will let buyers recognize the funds first, and then select them according to certain rules when they officially open. When choosing a house, the whole process is relatively compact, and buyers can make alternatives in advance and try to choose their favorite house.

Choose a house

Once you choose a house and want to buy it, you must prepare the relevant information, then sign the purchase contract and give the information to the developer. At the same time, at the time of purchase, you must also pay a certain deposit. There will be a deposit receipt. The receipt says UnionPay receipt, and the down payment will not exceed 20% stipulated in the contract.

5. Online signing, signing and down payment

After handling the qualification examination of house purchase, the examination results will generally be available within 10 days. After the approval, the developer will inform the buyers to sign the contract. If you want to buy an existing home, you must sign an existing home sales contract, and if you want to buy an auction house, you must sign a pre-sale contract. When signing a house purchase contract, we should carefully check whether there are blank clauses in the contract, whether the rights and responsibilities in the supplementary agreement are equal, whether the liability for breach of contract and compensation are clear, the delivery date and delivery standard, etc.

After paying the deposit, the sales department has a POS machine. If you want to buy a house, you need to use the ATM of the Housing Authority to deposit the receipt of UnionPay, and then get the down payment from the developer. Usually the invoice will be received on the same day. If not, the developer will issue a receipt and affix the official seal of the developer.