Find a bank with local characteristics. If the loan company is below the second or third line, you can ask the local bank for help. For example, the Agricultural Bank of a certain region, with the support of the local government, local farmers will also give certain concessions. Similarly, the interest on housing loans will also be reduced. The interest rates of bank loans are all set according to the benchmark interest rate of the central bank. In bank loans, the loan interest rate is 1. 1 times the benchmark interest rate, that is, 5.39%.
Housing loan, also known as housing mortgage, means that the buyer fills in the housing mortgage application form to the loan bank and provides legal documents such as ID card, income certificate, housing sales contract and guarantee. After the approval of the bank, guarantee the loan to the buyer, and mortgage and notarize the house according to the house sales contract provided by the buyer and the mortgage contract signed by the bank.
For example, in Guangzhou, most banks in Guangzhou, including the four major banks in Guangzhou, raised their lending rates. The average loan interest rate of the four major banks in Guangzhou is 5.2%, while that of China Everbright Bank and Shanghai Pudong Development Bank is 5.4%.
Personal housing loan, also known as consumer credit, is a loan provided by the borrower to buy his own general residence. The borrower must provide a guarantee when issuing personal housing loans to the bank. When the borrower fails to repay the debt within the time limit, the lender has the right to dispose of the collateral or collateral according to law, or bear the joint liability for paying off the debt to the guarantee company.
The above is the main content of which bank has the lowest interest rate on loans to buy a house. I believe everyone knows about these contents, and I hope this article can bring you some help.