What is the Agricultural Bank of China mortgage interest rate in 2013?

1. Commercial loans:

1. The loan period is within 6 months (inclusive) and the interest rate is 5.6.

2. The loan period is 6 months to 1 year (inclusive), and the interest rate is 6.

3. The loan term is 1 to 3 years (inclusive), and the interest rate is 6.15.

4. The loan term is 3 to 5 years (inclusive), and the interest rate is 6.4.

5. The loan term is more than 5 years, and the interest rate is 6.55.

2. Housing Provident Fund Loans:

1. The loan period is within 5 years (inclusive) and the interest rate is 4.

2. The loan term is more than 5 years and the interest rate is 4.5.

The bank's loan interest rate is based on the central bank's benchmark interest rate, which fluctuates up and down within the prescribed range. If you apply for a housing loan at a bank, the loan interest rate is generally 1.1 times the benchmark interest rate, which is 5.39 , the mortgage interest rate in some areas exceeds 6. If you apply for a second home loan, the mortgage interest rate will be higher.

Extended information:

Notes for users applying for loans:

Do not use the provident fund before applying for a loan: If the borrower withdraws the provident fund balance before applying for a loan, it will The provident fund balance on the provident fund account becomes zero, and the provident fund loan limit also becomes zero. This means that you cannot successfully apply for a provident fund loan at this time.

It is best not to repay the loan in advance within the most recent year, because according to the relevant provisions of provident fund loans, partial prepayment should be made after one year of loan repayment, and the amount returned by the lender The repayment amount should be no less than 6 months.