1. The latest benchmark interest rate for bank loans: the annual interest rate of loans is 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year) and 4.75% for 1 year (including 3 years). On this basis, there will be appropriate downward floating or upward floating.
2. The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time. Usually divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate as a percentage, and the daily interest rate as a percentage.
3. When the economic development is in the growth stage, the investment opportunities of banks increase, the demand for loanable funds increases, and interest rates rise; On the other hand, when the economy is in a downturn and the society is in a depression, banks' willingness to invest will decrease, so will the demand for loanable funds, and the market interest rate will generally be lower.
4. The repayment methods of bank loans are generally divided into two types, namely, equal principal and interest repayment and equal principal repayment. Matching principal and interest repayment means matching principal and interest and repayment on schedule, while the average capital adopts the repayment method of reducing residual principal and interest. In addition, for some loan types, some banks also provide repayment methods such as one-time payment, monthly interest payment and early repayment.
First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:
1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.
2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage.
3. Valuation: According to the cost of the house, the appraisal institution makes an appraisal, and roughly calculates the amount, interest rate, service life, etc. You can get a loan. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.