The mortgage interest rate of Postal Savings Bank consists of LPR (quoted interest rate in RMB loan market)+basis point, in which the latest one-year and five-year interest rates of LPR are 3.65% and 4.3% respectively. In other words, the borrower applies for a mortgage at the Postal Savings Bank for more than five years, and the minimum interest rate is 4.3%. It should also be noted that the actual loan interest rate of mortgage is comprehensively determined according to the policy, the borrower's own conditions, credit status, etc., which is subject to the regulations of the postal savings bank where the user is located.
Loan terms:
1, established with the approval of the competent department, holding a business license issued by the administrative department for industry and commerce at or above the county level, and the country implements industrial production license products, the enterprise must obtain a production license, that is, the loan object should be legal;
2, the implementation of independent economic accounting, with the use of funds, production and operation autonomy, that is, the loan object has obtained the legal person qualification, bear a clear economic responsibility;
3, have a certain amount of liquidity, establish a supplementary liquidity system, that is, the loan object should have the ability to operate normally and take risks;
4. Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.