The bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status, collateral, national policy (whether it is the first suite or not). If all aspects are well evaluated, the mortgage interest rates implemented by different banks are different. In 211, due to the shortage of funds and other reasons, the loan interest rate for the first suite of some banks was 1.1 times or 1.5 times the benchmark interest rate.

since 212, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In late March, state-owned banks such as Bank of China, Agricultural Bank of China and ICBC began to implement the first home loan interest rate concessions. The maximum interest rate discount of some banks can reach 15%.

Extended information:

There are mainly the following types of housing loans:

1. Housing provident fund loans: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period.

There is a spread between the mortgage interest rate of housing provident fund and the bank deposit interest rate. At the same time, housing provident fund loans will be charged by half when handling mortgage and insurance related procedures.

2. Commercial loans for individual housing: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans. As long as the balance of your deposit in the loan bank accounts for not less than 3% of the amount of funds needed to buy a house.

if you use this as the down payment for buying a house, and you have assets recognized by the loan bank as collateral or pledge, or a unit or individual with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint and several liabilities, then you can apply for using the bank mortgage loan.

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