20 17 Zhengzhou's latest mortgage interest rate: the benchmark interest rate for commercial loans is 6. 15, but many banks have gone up, at least 5% (very rare) and the highest 20% (very many), and the interest rate for provident fund loans is 4.25%. Specifically:

I. Short-term loans

Within one year (including one year): 4.35%;

Second, medium and long-term loans

One to five years (including five years) more than five years: 4.754.9%;

Third, discounts.

Determine with the rediscount rate as the lower limit;

Four, personal housing provident fund loans

Less than five years (including five years) and more than five years: 2.753.25%.

Mortgage application materials:

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce needs to issue a court civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate? Real estate license;

6. Guarantor (ID card, household registration book and marriage certificate are required).