Mortgage interest rates are usually calculated as a percentage of one-year interest and principal.

1. Short-term loans within six months (including six months) 5.10 Six months to one year (including one year) 5.56

2. Medium- and long-term loans between one and three years ( Three years included) 5.60 Three to five years (including five years) 5.96 More than five years 6.14

Extended information:

Home mortgage loan is a loan that the bank provides to the borrower in order to ensure the safety of the loan. A kind of loan provided to the borrower by legally obtaining the lien and pledge rights on the property of the borrower based on real estate, securities and other certificates through a certain contract. This kind of loan is actually a legal transfer of property ownership by the debtor (mortgagor) to the creditor (mortgagee) to obtain a loan. During this period, if the debtor cannot repay the loan principal and interest on time, the creditor has the right to dispose of the mortgaged property and Loans that can be repaid first. This kind of loan method can reduce the creditor's loan risk and provide the most effective guarantee for the creditor to recover the loan. The use of mortgage loans in housing credit is based on the safety, liquidity and profitability of bank operating funds. Since most of the borrowers of this housing loan are individual residents, it is impossible for the bank to clearly understand the financial strength and creditworthiness of the borrower, which increases the risk of bank loans, and mortgage loans are precisely when loan risks are relatively high. , providing creditors with an effective guarantee to recover their loans. Therefore, banks mostly use mortgage loans in housing loans to individual residents.

Application information

Real estate certificate (for house mortgage bank loans, the real estate certificate and land certificate must be mortgaged to the bank)

Identity of the obligee and spouse Certificate

Household booklet of the obligee and spouse

Income certificate (this certificate has a greater impact on the success of the home mortgage bank loan and the maximum amount.)

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If the owner of the property certificate has underage children, please provide the birth certificate

If there is a bank loan in the property, please provide the original loan contract and the last bank statement

In order to improve the approval rate for house mortgage loans, please provide as many other proofs of the family's property as possible (such as other property certificates, stocks, funds, cash passbooks, vehicle driving licenses, etc.)

Application conditions:

1. Chinese (excluding Hong Kong, Macao and Taiwan) citizens, aged 18-65 years old, and salaried people who have worked continuously in the current unit for more than six months (if less than six months, However, the work content of this unit is the same as that of the previous unit, and the working period of the previous unit can be accumulated) and the business people who have been in business for more than one year.

2. There are no minors under the age of 18 and no adults over 70 years old (inclusive) among the mortgaged property rights holders.

3. If the real estate is second mortgaged, the first mortgage owner of the house must be a bank.

4. The borrower needs to have one or more houses in his name (at least one). The house is owned by this city).