As for the newly signed mortgage loan contract, there is still room for discussion on its added value. The central bank stipulated the lower limit of the first set of commercial housing loans, that is, the second suite, and some provinces and cities also raised the lower limit on this basis. However, banks still have certain independent pricing power for added value. Therefore, users can strive for relatively favorable interest rates from banks by providing financial certificates. Generally speaking, the better the qualifications of users, the easier it is to enjoy preferential interest rates.
Is the mortgage interest rate the same in every bank?
The mortgage interest rate of each bank may be different.
Although the central bank has set the benchmark loan interest rate and lpr interest rate, the mortgage interest rate may vary from place to place due to different policies and market conditions. And the mortgage interest rates of different banks in the same city will be different. After all, banks need to consider their own situation.
It is precisely because mortgage interest rates are influenced by many factors that mortgage interest rates vary from place to place and from bank to bank. Want to know the specific mortgage interest rate, it is recommended to consult the staff of the loan bank.
We also need to note that after the borrower signs the loan contract, it does not mean that the repayment will be made at the mortgage interest rate at the time of signing.
Because the floating interest rate is stipulated in the contract signed by most people, if the mortgage interest rate fluctuates in the future, the borrower will have to repay according to the floating mortgage interest rate, and the repayment amount may also change to some extent. Of course, if a fixed interest rate is stipulated when signing the contract, there will be no change.