About 7.36%. And the interest is gradually decreasing with the return of the principal. You can borrow about 60% of the real estate appraisal value. The loan term is 10 year, so the repayment pressure will be reduced, and the loan can be repaid in advance at any time within the loan term. The materials needed for real estate mortgage loan include: husband and wife's ID card, household registration book, marriage certificate, house certificate, deed tax certificate, work certificate, running water, personal financial certificate, etc. The loan approval is basically completed within 10 working days. Many people have a misunderstanding, that is, they think that they can mortgage loans in the bank if they have a house. In fact, the bank decides whether to allocate funds according to your comprehensive qualifications and loan purposes. After all, banks don't buy houses. The bank lent you money in the hope of icing on the cake. Banks would rather not lend money to risky loans. At present, the approval standards of banks in Shenyang are slightly different. The approval standard of mortgage loan is related to the lender's assets and liabilities, the lender's recent credit inquiry times, the lender's recent credit debt ratio and the loan purpose.