Generally speaking, the interest rate of state-owned commercial banks will be lower than that of joint-stock commercial banks, and the standards of major banks are different. ICBC generally requires no more than three consecutive loans and no more than four small internet loans within two years, and there is no requirement for the number of inquiries. A house with a fixed age of less than 20 years is a complete house, with a loan amount of about 70% and a monthly interest rate of 3% 12.

In fact, compared with mortgage loan, mortgage loan application process is complicated, there are many review links, and the amount involved is large, so it is more complicated than mortgage loan. The mortgage loan is earmarked for special purposes, and the auditing standards of all banks are similar, and the collateral is all new houses. Banks mainly examine the qualifications of borrowers. I have used several small loan products in business turnover before. In fact, every small loan platform has an internal application entrance, with low interest, convenient payment and high quota! Share it with those in need and scan the QR code below to enter! Extended data:

The mortgage loan is introduced as follows:

Mortgage loans are more risky, often second-hand housing mortgages, and banks have to review the qualifications of houses, borrowers and even enterprises, which is more troublesome to handle. Take ICBC's mortgage interest rate as an example. ICBC's mortgage interest rate rises by 10% on the basis of the benchmark interest rate.

In which: the interest rate within 6 months (including 6 months) is 4.86%; The interest rate from 6 months to 1 year (inclusive) is 5.3 1%; 1-3 years (including 3 years) interest rate is 5.4%; The interest rate for 3-5 years (including 5 years) is 5.76%; The interest rate over five years is 5.94%.

People's Network-Vehicle Mortgage Loan "Routine" Deep

People's Daily Online-The central bank announced the latest version of the minimum interest rate for individual housing loans.