After all, the commercial loan interest rate is based on the LPR of the corresponding term.
Although the unified quotation of LPR is: 4.65% for more than five years, the basis points stipulated by banks may be different according to local policies and market conditions.
For example, in Beijing, it is stipulated that the interest rate of the first set of housing commercial loans is not lower than LPR+55 basis points, and the interest rate of the second set of housing commercial loans is not lower than LPR+ 105 basis points; In Shenzhen, it is stipulated that the interest rate of the first set of commercial housing loans should not be lower than LPR+45 basis points, and the interest rate of the second set of commercial housing loans should not be lower than LPR+95 basis points (specifically determined after approval by local branches).
If you apply for provident fund loans, even if the entrusted banks are different, the benchmark interest rate of central bank loans will be implemented.
Among the benchmark interest rates of loans announced by the People's Bank of China, the annual interest rate of provident fund loans for more than five years is 3.25% (the interest rate of two sets of provident fund loans is 1. 1 times of the benchmark interest rate).
If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If your online hacking data is abnormal, you can find: Kingfisher Data, which can obtain your own big data and credit status, various indicator data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.
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What if I fail to buy a car mortgage?
If you go to mortgage to buy a car, but the approval fails, you can call the customer service consultation of the handling bank (auto consumption finance company) to find out the reason why the car loan was rejected and then solve the existing problems.
For example, if the debt is too high, you can try to pay off the debt in your own name or pay part of it first, and then try to apply after the personal debt ratio drops.
If it's because of bad credit, then hurry up to improve your credit and accumulate good records, and then apply after your personal credit is improved.
In fact, if personal credit is average and you want to improve the chances of car loan approval, you can also try to increase the down payment and reduce the loan amount; Or find a person with good credit to guarantee his car loan; And you can try to apply for another bank (Auto Consumer Finance Company).
You can also prepare as many financial income materials as possible, such as certificates of deposit and real estate licenses. The richer you are, the better. Prove that you have enough repayment ability.