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. Here are a few simple introductions for your reference. Specific requirements shall be subject to the bank:

1, Industrial and Commercial Bank of China. Generally speaking, it is required that there can be no three loans in a row within two years, and no more than four small Internet loans. There is no requirement for the number of queries. A house with a service life of less than 20 years is a complete house, with a loan amount of about 70% and a monthly interest of 3% 12.

2. China Construction Bank. It is also required that there should be no three consecutive inquiries, no more than six inquiries within six months, no more than three internet small loans, a business license for one year, and a monthly interest of 3% 2.

3. Bank of Communications. You can't have three troubles for six times, the number of inquiries can't exceed six times in half a year, the business license is more than half a year, and the monthly interest is 3% 2.

Mortgage loan of real estate license refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.

Mortgage loan of real estate license actually refers to the types of bank loans mortgaged by commercial houses that customers already own and can be listed and circulated. The difference between it and second-hand housing loans and first-hand housing loans is that customers already own real estate, not soon. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations.

For example, real estate speculation and stock speculation are not allowed. Require the mortgage loan to be used for special purposes, and accept the supervision of lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.

Lender and mortgaged house: Lender:

First of all, the actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

Secondly, there is a permanent residence and a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

Third, willing and able to provide real estate mortgage recognized by the lender; Fourth, some people in real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.

What's the minimum interest on a bank loan?

The loan interest rates of all commercial banks are adjusted on the basis of the central bank's benchmark interest rate. 1 year, the lowest benchmark interest rate for commercial loans is 4.35%, the annual interest rate for loans of 654.38+10,000 yuan is 4,350 yuan, and the lowest benchmark interest rate for provident fund loans is 2.75% in five years. The benchmark interest rate of central bank loans is as follows:

1, commercial loan: 1 The loan interest rate during the year is 4.35%; /kloc-the loan interest rate from 0 to 5 years is 4.75%; The loan interest rate for more than 5 years is 4.9%.

2. Provident fund loan: the loan interest rate is 2.75% within 5 years; The loan interest rate for more than 5 years is 3.25%.