When you apply for a personal housing loan at China Merchants Bank, the actual "loan interest rate" you can apply for is based on the comprehensive pricing of the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after the approval of the handling outlets.
To know the current benchmark loan interest rate, please go to www.cmbchina.com, the homepage of China Merchants Bank, and click "Loan Interest Rate" on the right.
Second, what is the annual interest of 700,000 commercial loans?
Commercial loan of 700,000 yuan in 30 years: equal commercial loan principal and interest: accumulated interest of 754,600 yuan; Average capital of commercial loans: accumulated interest of 594,900 yuan;
Loan for 20 years: equal principal and interest of commercial loans: accumulated interest of 397,654,38+0,000 yuan; Average capital of commercial loans: accumulated interest of 469,900 yuan;
Loan for one year, commercial loan interest is about 37,000 yuan.
However, the interest of commercial loans will change in the later period, and the accumulated interest will also change accordingly.
3. What is the interest rate of commercial housing loan?
Changes have been made since 20 15, 101October 24th, as follows:
1
(1) Within one year, the interest rate is 4.35%.
(2) The loan term is one to five years and the interest rate is 4.75%.
(3) If the loan term exceeds five years, the interest rate is 4.90%.
2. benchmark interest rate of provident fund mortgage.
(1) Loan within 5 years, interest
(2) If the loan is over 5 years, the interest rate is 3.25%.
Personal housing loan is a kind of consumer loan, which is used to buy ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the loan principal and interest at maturity, the lender or guarantor shall be jointly and severally liable for repayment of the loan principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, pay 30% down payment for the funds needed for house purchase, and have a bank.
Personal housing loans are limited to urban residents' purchase of ordinary houses for their own use and repair and construction.
Personal housing loans mainly have the following three loan forms:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low;
On the other hand, it is mainly aimed at low-and middle-income workers who pay the provident fund. The interest difference between this kind of loan and commercial loan is above 1%, so both investors and surnames are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.
(Paragraph refers to the loan issued to the same borrower from the housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there is housing storage.
Processing flow:
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. The lending bank interviews the borrower and conducts pre-lending investigation.
3. Loan approval: CCB conducts loan approval.
4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Repayment.
7. loan settlement.
4. What is the general interest rate of housing loan?
There are two kinds of housing loans, commercial loans and personal provident fund loans. The interest rates are as follows:
1, the benchmark annual interest rate of commercial loans: 0-6 months (inclusive), and the annual interest rate: 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%;
2. Benchmark interest rate of personal provident fund loans: the benchmark interest rate of short-term loans for less than five years (including five years) is 2.75%; The benchmark interest rate for long-term loans over five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.
The process of buying a house by loan 1. Understand credit information.
First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.
Step 2 know the bank
Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.
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