First, 20 19 mortgage interest rates of the four major banks
The mortgage interest rates of the four major banks range from one year to five years or even longer. It is reported that China Bank will give 10% discount on the benchmark interest rate to some high-quality customers, but other banks can't. The loan interest rates of industrial and commercial banks, construction banks and agricultural banks fluctuate on the benchmark interest rate, of which industrial and commercial banks are about 10%, construction banks are about 20%, and agriculture is about 5%-20%.
Second, what information is needed for housing mortgage?
As mentioned in the previous article, the first arrival and the second arrival need to be carried out in the same bank, otherwise the risk of visa refusal is great. After understanding this, customers can apply according to their own situation.
When the house property mortgage contract arrives, it needs to be signed by both husband and wife, including house ownership certificate, land ownership certificate, house property value evaluation report, bank loan contract, ID card of both husband and wife and marriage certificate. Unmarried people should go to the local civil affairs department to issue a certificate.
The above content is a brief introduction about bank housing mortgage loan. The interest rates of customers with different qualifications in the same bank are different, not to mention between different banks. Of course, you can know the upper limit of the fluctuation of the basic interest rate. If you think it is acceptable, you can apply with your information.