First, the opening bank of the Shanghai company account should be as good as the interest rate of the agency fund.
Because of this, many people will know which bank has the lowest loan interest rate before lending. Then find a bank loan with the lowest interest rate. Which bank has the lowest loan interest rate? This question is hard to say. Loans within six months (including six months), loans from six months to one year (including 1 year) 5.60%, loans from one to three years (including three years) 6.00%, loans from three to five years (including five years) 6. 15%, loans from five years or more 6.40%, 6.
Second, when choosing a bank, the housing loan
1. Loan interest rate concessions When applying for a mortgage, buyers must first compare the loan interest rate concessions of various banks. At present, the benchmark interest rate for commercial loans over five years stipulated by the central bank is 4.9%. In different cities, different banks can set different interest rate discounts according to specific conditions, which will actually lead to a bank's interest rate being lower than that of other banks. 2. Preferential threshold The loan threshold of each bank is different, and the preferential threshold is naturally different. Usually, banks have certain requirements for customers who want to get preferential interest rates on loans, but not everyone can enjoy preferential interest rates or enjoy the lowest interest rate discount.
To sum up, some banks will require lenders to deposit a certain amount in the bank, or the proportion of the loan amount to the total house price will give borrowers a certain interest rate. At this time, it is best for buyers to do their homework in advance and understand the regulations of various banks, especially buying second-hand houses. More importantly, some banks may require that the term of second-hand housing loans should not exceed 20 years, or even 10 years.