First of all, we should consider the downward fluctuation of bank loan interest rate. At present, banks have lowered the benchmark interest rate for the first suite by 30%, but the criteria for determining the mortgage for the second suite are different. If you buy too many sets of commercial housing, as long as you settle the previous mortgage, some banks also admit that it is the first suite. When lending, you can compare the interest rate policies of many banks and strive to enjoy the lower interest rate limit of 30% lower benchmark interest rate.
Secondly, if you want to get low interest rates, you can also consider the floating mode of interest rates, that is, adjusting the frequency. At present, most banks agree that if the benchmark interest rate of the People's Bank of China is adjusted, banks will adjust the loan interest rate accordingly on June 65438+ 10/the following year. There are also a few banks that allow customers to float according to the loan date, that is, when the benchmark interest rate of the People's Bank of China is adjusted, the loan interest rate will be adjusted every 1 year. As the current interest rate in China is at the bottom, there is an expectation of raising interest rates in the future. The longer the interest rate is adjusted, the better it will be for mortgage borrowers.
In addition, there is another place that is easily overlooked by lenders: loan fees. When handling commercial loans, there are generally fees for notarization of loan contract, insurance premium, mortgage registration fee, loan contract cost, evaluation and so on, with a total amount of several thousand yuan. At present, many banks are partially or completely exempt from the above fees. Therefore, lenders should compare before choosing.
In terms of loan costs, the current mortgage interest rates are converging. In this case, within the same loan period, the loan cost is mainly reflected in the bank's plan to prepay and adjust the repayment plan. The borrower should choose a bank with no prepayment penalty, low prepayment amount and adjustable repayment scheme (for example, the repayment method of equal principal and interest can be changed to the repayment method of equal principal or the repayment period can be shortened if the customer's repayment ability allows).
In terms of loan services, borrowers should choose banks with simple procedures and simple operations. When accepting loans, we can provide thoughtful loan consultation and handling services for borrowers, and we can provide online banking and SMS prompt services. In particular, we should choose a bank that can provide comprehensive personal financial services and value-added services to borrowers at the same time.
Apply for mortgage housing loans, generally can apply for the first time to buy a house, according to personal income and other circumstances, can enjoy the benchmark interest rate of the People's Bank of China 20%-30% interest rate concessions. Each bank has relevant requirements for specific application procedures; In addition, different banks have different mortgage products, and even the same bank will launch different products at different times. If the new product is more cost-effective, it can be converted between different products through refinancing; Because provident fund loans contain policy subsidies, the interest rate is lower than that of commercial loans, with little fluctuation. Therefore, the use of provident fund loans is more cost-effective than commercial loans. Besides making the right choice when choosing a house, buying a house and getting a loan, we also need to have an optimistic attitude towards the house.
(The above answers were published on 20 15-06- 10. Please refer to the actual situation for the current purchase policy. )
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