Foreign capital or local ones will be cheaper. For example, Ningbo, Credit Union, Standard Chartered and HSBC. The minimum is 7.5 anyway.

Second, which bank is the most cost-effective in Hangzhou mortgage?

1, Industrial and Commercial Bank of China

Among all state-owned banks, ICBC has the lowest mortgage interest rate.

2. China Merchants Bank

Among many banks, China Merchants Bank has the fastest mortgage.

3. China Construction Bank

Applying for real estate mortgage loan in CCB is the most stringent, but the interest rate fluctuation is also the smallest.

4. Minsheng Bank

Applying for a real estate mortgage loan at Minsheng Bank is the most worry-free.

3. Is the personal property mortgage loan of Hangzhou Bank fast?

It usually takes 22-25 working days.

Process of handling real estate mortgage loan:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Go to the designated institution of the bank to evaluate the real estate;

4. In front of the bank;

5. Bank filing and approval;

6. Approve the next batch of loan letters;

7. Go to the local construction committee for mortgage registration, and the construction committee will issue his right certificate;

8. About the number of branches;

9. Bank loans;

10. Post-lending review of banks

1 1. The borrower repays the principal and interest.

What is the latest interest rate of housing loan in Hangzhou in April and September? Which bank lends the fastest?

In September of 20 19 and June of 10, the mortgage interest rate in Hangzhou rose from the previous 5-8% to 10% (the first suite), and the next day, the suite rose by 10%. There are differences between banks, but they are basically not too big. Which bank lends money the fastest depends on whether your information is complete or not. Generally speaking, there are more people applying for low interest rates, and higher ones will be faster. How much has the loan interest rate of Hangzhou Bank been lowered? Some banks have implemented: the first suite goes up10%; The second suite rose 15%. Prior to this, the major banks in Hang Cheng basically implemented a floating interest rate of 15%-20% for the first suite and a floating interest rate of more than 20% for the second suite. In terms of lending speed, almost every bank has expressed the fact that "lending speed is fast". Previously, it took half a year from "waiting for loans for at least three months" to "individual banks are relatively loose". Now, only two months after "relative easing", "fast lending" has become a common phenomenon. According to the staff of CITIC Bank, as long as the bank gets his warrant, it can lend money within 7 working days. This statement has also been affirmed by other bank staff. Bank of Hangzhou loan interest rate in August

At present, five banks have stopped lending directly, and Hangzhou mortgage seems to be gradually tightening. The loan time depends on the bank.

The interest rate of the first home loan of Hangzhou Provident Fund is 3.25%, and the loan of commercial bank goes up 15%, with the interest rate of 5.64%. Suppose a house has a total price of 2 million, a down payment of 30% and a loan period of 30 years. Let's calculate an account:

1. combined loan: the provident fund is calculated according to the maximum loan amount of 500,000, so the commercial loan is 900,000, so the total interest is 125 1600, and the total repayment amount is 265 1600.

2. Pure commercial loan: total interest 1, 506,654,38+0,000, and total repayment amount of 2,906,438+0,000.

At present, in prime bank 13 of Hangzhou market, except for the first suite interest rates of Hangzhou Wulin Sub-branch of Bank of Communications and Yuhang Liangzhu Sub-branch of Hangzhou Bank, the first suite interest rates of other major banks are basically above 15%. The first suite of Hangzhou Desheng Sub-branch of China Everbright Bank has a 30% increase, which is amazing.

Last year, the property market in Hangzhou was very hot, and the amount of bank loans was very tight. The loan time basically took 2-3 months. Want to speed up lending, basically want to buy bank wealth management products. Due to the tight quota, other banks even suspended new housing loans.

At present, the quotas of major banks are still loose, and the lending time has been accelerated. Among them, Bank of Nanjing Hangzhou Branch said that the loan could be released as soon as 1-2 weeks.

At present, the mortgage interest rates in Hangzhou are basically floating. The buoyancy of the first set is between 15%-20%, mostly around 20%, while the second set is increased by 20%-30%.

Judging from the normal mortgage interest rate, the interest rate of commercial banks is lower than that of state-owned banks, mainly because the current policy is mainly "stable". Once the bank releases the loan, it will lead to the newly calmed housing market and housing prices entering a period of high incidence again, which is contrary to the major policy.

In other words, if the mortgage interest rate in Hangzhou is to be adjusted in the short term, it will only be adjusted in the upward direction.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!