At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

Property mortgage requirements:

Our bank accepts commercial houses and commercial houses with clear property rights and strong liquidity as collateral.

Prompt that the following conditions must be met:

The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage loans do not accept off-site collateral.

(2) Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

(3) The property right has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no unfavorable liquidation situations such as property right disputes;

(four) with strong liquidity, the real estate structure is intact, water, electricity, environmental protection transportation, urban construction, property management and other supporting facilities and services are complete, there are no disputes and problems, and they are not within the scope of government planned demolition;

⑤ If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit term plus the house age is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit term plus the age of the house is not more than 30 years in principle.

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral;

Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.