1. What is the mortgage interest rate?

According to the central bank’s regulations, the latest one-year loan benchmark interest rate in August 2015 is 5.25%. Each bank will increase or decrease the base interest rate when calculating loan interest rates. Nowadays, interest rates are liberalized. Banks can generally lower interest rates by 10% for high-quality customers, while they may increase interest rates by 20% for bad customers. Basically, it depends on the financial situation of the loan customer. Home mortgage loans are of relatively high quality and are popular among banks, and are more likely to implement benchmark interest rates. If the loan is taken based on the benchmark interest rate of 5.25%, then the one-year loan interest is 2000005.25% = 10,500 yuan. 2. If it is a mortgage loan, the annual interest rate is usually around 6%. 3. If it is a general loan, each bank has its own interest rate. You need to consult specifically for the specific situation. It is usually higher than the interest rate of a mortgage loan. 4. If it is For credit loans, the interest rate will be slightly lower than that of ordinary loans. Interest rate = 200,000 annual interest rate 15. If it is a commercial loan, the annual interest rate is 5.56% for 1 year. If the loan is taken based on the base interest rate of 5.25%, then the one-year loan interest is 2000005.25% = 10,500 yuan. 2. If it is a mortgage loan, the annual interest rate is usually around 6%. 3. If it is a general loan, each bank has its own interest rate. You need to consult for specific circumstances. It is usually higher than the interest rate of a mortgage loan. 4. If it is For credit loans, the interest rate will be slightly lower than that of ordinary loans. Interest rate = 200,000 annual interest rate 15. If it is a commercial loan, 1 year, the annual interest rate is 5.56%, no discount: How long does it take for a mortgage loan? Generally, bank loan approval takes about 15 days. If you encounter Due to policy changes, the time may be extended to 1 month. Or the bank may be short of funds. At this time, the loan may need to be queued, which will further extend the time. If you have not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. If the application cannot be applied, the bank will notify you personally. Generally speaking, the process of bank loan approval and then disbursement is relatively long, at least half a month. Slower is slower, but when we apply for a loan, we mainly consider the interest rate and whether the lending institution is reliable. Therefore, when taking a loan, you need to consider everything comprehensively. Faster loan is not necessarily better. First, the lender prepares materials, such as personal employment certificate, income certificate, personal credit report, etc. If it is a mortgage loan, you need to provide the real estate certificate and land use certificate if you use real estate as collateral. If it is a car mortgage loan, you need to get a driving license. Second, the bank receives the information and verifies its authenticity. After review, the applicant's qualifications will be rated. Applicants who meet the loan conditions will be contacted to sign a loan contract. Third, after both parties negotiate and sign a loan contract, the bank will release the money, and the lender needs to repay the loan on time and in full every month. Normally, if it is a personal credit loan, it can be completed within a week. If it is a mortgage loan, it will take half a month to disburse the money. If it falls at the end of the year or the end of the month, it may take longer.

2. What is the interest rate on housing loans?

The base interest rate is 5.94%

3. What is the interest rate on commercial loans to buy houses now?

The interest rates of different provident fund loans will be relatively low, and the interest rates will be higher. Each bank will explain the specific content above the central bank's benchmark interest rate. The mortgage loan interest rates of major banks in 2022 are explained below.

In 2022, the central bank’s loan interest rate for less than one year (including one year) is 4.35%, the loan interest rate for one to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9% . Personal housing provident fund.75%, loan interest rate for five years and above

General housing loans are for more than five years, and most provident fund loan amounts are not enough to support the current total housing loan, so commercial loan interest rates are the most representative sex.

Then, let me

We can see that the central bank’s loan interest rate for more than five years is 4.9%, which has returned to the level around 2015

At present, my country's relatively large banks include Bank of China, Industrial and Commercial Bank of China, Bank of Communications and Postal Savings Bank of China. The loan interest rates of these relatively large banks are based on the central bank's benchmark interest rate.

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