The mortgage interest rate is related to the situation of individuals and houses, and it is not the same. First of all, the difference may be caused by the type of house. For example, the interest rates of ordinary houses and non-ordinary houses are different, and the loan interest rate of ordinary houses is lower than that of non-ordinary houses. Secondly, the nature of housing, some residential areas are mixed commercial and residential areas, and the loan interest rate of commercial products is different from that of residential products. Finally, personal conditions, the bank will give some points according to the lender's situation when handling the mortgage. For example, the lender is a long-term important customer of the bank and can enjoy some preferential treatment, which is divided by the bank.

What are the common loan methods?

1, commercial loan.

Commercial loans, that is, personal housing loans, are loans provided by commercial banks and housing savings banks approved by the People's Bank of China to urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented.

2. Payment of provident fund.

The full name of housing provident fund loan is personal housing guarantee entrusted loan. It is a personal housing loan entrusted by the local housing provident fund management center to commercial banks by using the housing provident fund paid by employees of this unit.

3. Portfolio loan.

Portfolio loan refers to the combination of provident fund and commercial loan, which is issued by the housing fund management center with policy housing funds and the bank with commercial credit funds to the same borrower. It is the sum of policy and commercial loan portfolios. That is, the loan demand that exceeds the amount of housing provident fund is solved by bank funds.

What should I pay attention to when handling a mortgage?

1, depending on the mortgage interest rate

As we all know, the interest rate directly determines the amount of mortgage interest. Since the central bank introduced the new mortgage policy, housing loans in different regions have implemented differential interest rates. The interest rates of housing renovation and second-hand housing loans are very different. Some banks implement the lower interest rate of 5.5 1%, while others float 10% or even more than 30% above the benchmark interest rate.

2. Look at the repayment method

This is what every property buyer must face. Considering the convenience of repayment period and amount, lenders should choose banks with various repayment methods. In addition to traditional repayment methods such as average capital repayment method, matching principal and interest repayment method and one-time repayment method, some banks also introduced matching incremental repayment method and quarterly repayment method in the second half of this year.

3. Look at the interest rate adjustment method again.

At present, the interest rate of bank mortgage is usually determined by the borrower and the borrower through consultation, and can be appropriately adjusted monthly, quarterly or annually during the contract period. Of course, you can also use the fixed interest rate method. In the case of rising mortgage interest rate, choosing fixed interest rate is the best choice, which can make loans enjoy low interest rate. On the contrary, under the trend that the mortgage interest rate is expected to be lowered, it may be adjusted monthly, so that both parties will not suffer.

4. Look at the penalty interest level

Since the new mortgage policy was introduced by the central bank, major banks have increased the penalty interest rate for mortgage loans, changing the penalty interest rate from 0.02 1% to 30%-50% of the loan interest rate. In view of the inevitable default during the loan period, it is recommended to focus on banks with low penalty interest levels to avoid increasing the cost of mortgage loans.