The mortgage interest rate is related to the loan term. For example, for short-term loans within one year (one year), the interest rate is 4.35%, for medium-and long-term loans, the interest rate is 4.75%, and for loans over five years, the interest rate is 4.9%. Secondly, taking provident fund loans as an example, the interest rate of loans within five years is 2.75%, and the interest rate of loans over five years is 3.25%.
What should I pay attention to when buying a house 1. Apply for a mortgage loan according to your own ability.
Many people think that as long as they have enough credit, they can get the best loan, but this is not the case, because if your credit is too high, your repayment pressure will be increasing.
2. Prepare loan information in advance
In order to improve the efficiency of lending, you must have a copy of your ID card, proof of income, proof of social security and other related information. In addition, if the borrower has a bad record on his credit card, he must provide corresponding evidence.
Provide true information
The information provided by the lender must be true, and once it is found to be false, the consequences will be unimaginable. If the circumstances are minor, it will directly affect the bank's audit, that is, no more loans can be made. If the circumstances are serious, it will also bear the responsibility for breach of the pre-sale contract of commercial housing and pay a large sum of money.
4. Know the repayment method in advance
When applying for a loan, it is necessary to specify the repayment method, including matching and matching. Although the equal interest will be low, the monthly repayment pressure will be greater. The mortgage interest rate will be higher, but the pressure of monthly repayment will be much less.
5. Do not use the reserve fund to apply for loans.
Before applying for a loan, if the provident fund is used, the bank's deposits will be emptied and the bank account will be emptied, which means that banks can no longer use provident fund loans.
How to negotiate the price of buying a house 1, and pre-order before the opening: Many properties will reserve some customers before the opening, so they can buy a house before the opening, so there is a chance of discount. Generally speaking, by this time, although the developer has not finalized the price, because of the "lingering fear" reaction to the market, it will give more preferential treatment to the first-time registered buyers.
2. Shop around: When buyers choose a house, they will first go to other places to look at the surrounding house prices, and then when bargaining, tell them that they have seen other houses and the prices are reasonable. They are still hesitating. If they are willing to sell now, they will definitely reduce the price. In the sales office, you should listen more, watch less, watch more sand tables, watch more model houses and learn more. If the salesperson is ambiguous, you should get to the bottom of it.
3. Seize the opportunity of discount: In the process of bargaining, people who buy new houses can ask more about the surrounding houses. When business is bad, developers will give them a discount, or even give them a discount, so that they can take the opportunity to buy a house.
The above is the answer to the mortgage interest rate in 2008. I believe everyone has understood. I hope the above content is helpful to you.