According to the regulations of the central bank, the benchmark interest rate of the latest one-year loan from 2065438 to August 2005 is 5.25%. Banks will raise or lower the benchmark interest rate when calculating the loan interest rate. Now that interest rates are market-oriented, banks can generally go down 10% for high-quality customers, and may go up by 20% for bad customers, basically depending on the financial situation of loan customers. Housing mortgage loan is a popular high-quality loan for banks, and it is more likely to implement the benchmark interest rate. If you follow

5.25% of the benchmark interest rate, the annual loan interest is 200,000 *

5.25%=

1.500 yuan.

If it is a mortgage loan, the annual interest rate is usually around 6%.

3. If it is a general loan, then each bank has its own interest rate, and the specific situation needs specific negotiation, which is usually higher than the mortgage interest rate.

If it is a credit loan, the interest rate will be slightly lower than that of ordinary loans. Interest = 200,000 * annual interest rate * 1.

5. If it is a commercial loan, the annual interest rate is 5.56%, 1 year.

If the loan is made at the benchmark interest rate of 5.25%, the annual loan interest is 200,000 * 5.25% = 1.05 million yuan.

2. If it is a mortgage loan, the annual interest rate is usually around 6%.

If it is a general loan, each bank has its own interest rate, which is usually higher than the interest rate of mortgage loan. If it is a credit loan, the interest rate will be slightly lower than that of a general loan. Interest = 200,000 * annual interest rate * 15. If it is a commercial loan, the annual interest rate is 5.56% 1 year, and it is not discounted.

How long does it take to mortgage the loan?

The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you.

Generally speaking, it takes a long time for a bank loan to be approved and refinanced, at least half a month. Slow is slow, but when we apply for a loan, we mainly consider the interest problem and the reliability of the lending institution. Therefore, when lending, we should fully consider it, and fast lending is not necessarily good.

First, the lender prepares materials, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to hear the driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.