Changsha Bank issues high-quality mortgage loans. First, the housing mortgage loan conditions in Changsha are different. The conditions for banks to apply for housing mortgage loans are different, such as credit status, personal income, work unit and repayment ability. Applying for real estate mortgage loan in a loan company mainly depends on whether the real estate value is high or not and whether it has liquidity. Credit status is good or bad. Borrowers with debts can generally borrow from banks or loan companies as long as they can provide qualified real estate mortgages. Second, the interest rate of Changsha housing mortgage loan is lower than that of credit loan, because there is real estate as a guarantee for bank lending. However, at present, the interest rates of mortgage products of various banks are different, and the loan interest rates of the same bank in different regions will be different. At present, the mortgage interest rates of banks are all floating on the basis of the benchmark interest rate. 20 17 The benchmark annual interest rate of banks is within one year (including one year), 4.35%, 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it Third, Changsha housing mortgage loan approval speed There are many real estate mortgage bank processes, and the approval time will be relatively long. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan. Fourth, the amount of housing mortgage loans in Changsha Generally speaking, the amount of housing mortgage bank loans is related to the assessed value of the house, with the highest being around 70%. V. Housing mortgage loan fees in Changsha Apart from real estate appraisal fees and mortgage registration fees, the loan fees of banks are generally much lower than those of loan companies. 5. Which bank has the lowest interest rate for Changsha real estate mortgage loan? In fact, the interest rate of mortgage loans is similar to that of each bank, and the interest rates of each bank are basically the same. The interest rate is not set by the banks themselves, but is required by the CBRC, and banks have only weak adjustment authority. Generally speaking, the interest rates of the four major state-owned banks are relatively low: China Bank, China Construction Bank, China Industrial and Commercial Bank and China Agricultural Bank; These four banks handle mortgages quickly, but the data review is very strict. Other small banks have small loans, but the requirements are simple. Due to the risk of loan funds, banks will conduct risk control management for each loan, which means that the same bank will provide different loan interest rate conditions for borrowers with different qualifications. Therefore, under the background of the current national loan restriction, it is more important for borrowers to successfully set up their own real estate mortgage loans!

I want to mortgage 500,000 yuan with my house, and I want to pay it off in ten years at the current interest rate. How much interest should I pay to the bank when I pay it off, and how much should I pay back every month?

At present, the benchmark interest rate of bank loans over five years is 6.55%, and the repayment method of matching principal and interest is 500,000 yuan: the total repayment amount is 682,865,438+05.27 yuan; Interest payment:182,865,438+05.27 yuan; Average monthly repayment: 5690. 13 yuan; Average repayment method: total repayment amount: 665,65438 yuan. Monthly repayment 1 14.58 yuan: 1 month, 6,895.83 (yuan) September, 6,850.35 (yuan) April, 6,827.6 (yuan) May, 6,804.2.438. 669 1. 15 (yuan)165438+1October 6668.4 (yuan)+February 6645.66 (yuan) 65438+March 6622.92 (yuan) 653 1.94 (yuan) 65438+August 6509.2 (yuan) 65438+September 646463.72 (yuan) 265438+1October 6440.97 (yuan) 23 (yuan) 23. 6304.5 1 (yuan) August, yuan) September, 6259.03 (yuan) March, 6236.28 (yuan) March14 (yuan) March, 6 1 168.06. March 6077.08 (yuan), March 6054.34 (yuan), April 603 1.6 (yuan), April 6008.85 (yuan), April 4 1, February 5963.373 (yuan), and April 59646.50006060606 April 5804.5622.22 (yuan) May, 5599.48 (yuan) May, 5576.74 (yuan) June, 5553.99 (yuan) 665438+ 10, 55438+0.25 (yuan). 5372.05 (yuan 52 12.85 (yuan) July 5 190. 1 (yuan) July 5 167.36 (yuan) July 5 144.62 (yuan) August 5076.39 (yuan), August 5053.65 (yuan), August 5030.9 (yuan), August 5008. 16 (yuan), August 4985.42 (yuan), August 4962.67 (yuan), July. 487 1.7 (yuan) 9 1 month, 4848.96 (yuan) in February, 4826.22 (yuan) in March, 4803.47 (yuan) in April, 4780.73 (yuan) in May and 4757. Kloc-0/65438+May, 4303. 13 (yuan)165438+June, 4280.38 (yuan)165438+July, 2257.64.

Hello, are you familiar with the annual interest rate of Changsha mortgage bank? I think. ...

Now it's not that you can mortgage the house. You can only borrow 60 thousand if the house is over 80 thousand, understand If you can't find security, it may be faster than this. If big banks such as ICBC and Agricultural Bank of China are not allowed to lend money, the state has regulations that the value of collateral must exceed 30% of the loan amount. Find more guarantors and try again. I will approve it within one month at the earliest, but I can get a gift!

4. How long can the mortgage loan of Changsha Bank last?

The minimum mortgage of Changsha Bank is three months.