The current monthly interest rate of Shenzhen real estate mortgage loan is about 3% to 6%, depending on your personal comprehensive limit. Are you a mortgage house or a red house? The mortgaged house can be mortgaged or mortgaged first, and the red house 10 will arrive in the account within several working days.

2. What is the personal consumption loan service launched by China Construction Bank?

The personal consumption loan of China Construction Bank refers to the RMB loan issued by China Construction Bank to eligible individuals for their own use and their families, with a clear consumption purpose. Personal consumption loans include ordinary loans and line loans.

1. Personal consumption loan target: it is suitable for China citizens with full civil capacity who have consumption financing needs and are over 18 years old but not over 60 years old. ;

2. Personal consumption loan loan purpose: Personal consumption loan must have a clear consumption purpose, which can be used for various consumption expenses of individuals and their families (excluding the purchase of housing and commercial housing), such as house decoration, car purchase, durable consumer goods purchase, tourism, marriage, education and other consumption purposes;

3, personal consumption loan processing flow:

(1) customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

(2) sign a contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

(3) granting loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.

Extended data:

1. Guarantee method: mortgage, guarantee and credit;

2. Loan amount: the single-family loan amount shall not exceed 2 million yuan;

3. Loan term: no more than five years;

4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

5. Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment method at maturity, and arbitrary principal repayment method with interest paid on schedule;

6. loan settlement. Loan settlement includes normal settlement and early settlement;

(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

(2) Early settlement: Before the loan expires, if the borrower settles part or all of the loan, he must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank;

7. After the loan is settled, the borrower shall retrieve the legal documents and relevant supporting documents kept by the bank on the strength of his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department on the strength of the loan settlement certificate.