Considering that most owners don't have enough cash when buying real estate, many banks have launched many personal new home loan services. Then, in view of the differences of actual loan interest rates in different places and the understanding of specific operation details, as users, everyone must know in advance so as to help obtain feasible solutions when necessary, ensure the follow-up income as much as possible, and obtain the best results through lower costs.

First, the new home loan interest rate. The loan interest rate refers to the ratio of interest to principal during the loan period. The loan interest rate directly determines the profit distribution ratio between the borrower and the bank, thus affecting the economic interests of the borrower and the borrower. The loan interest rate depends on the type and duration of the loan, and is also related to the scarcity of loan funds. Related to everyone is mainly:

Provident fund loans for more than 5 years: 3.87%

Provident fund loan 1-5 years (including 5 years): 3.33%

Second, new housing loans should pay attention to:

1. When applying for a new house loan, the owner should make a correct judgment on his repayment ability. Determine the repayment plan according to the income level of the owner, leaving room that will not affect the normal life of the owner. ?

2. Choose the appropriate repayment method. There are two kinds, equal or equal principal repayment. After the repayment method is agreed in the contract, it shall not be changed during the whole loan period. ?

3. Repay monthly to avoid interest penalty. Starting from one month after the start of the loan, usually the next month's loan time is the repayment date. Breach of contract due to the negligence of the owner may lead to approval when applying for a loan from the bank again. ?

4. Keep the contract and documents intact, read the terms of the contract carefully, and understand the rights and obligations of the owner.

The above is mainly the introduction and analysis of the matters needing attention related to the newly bought house loan. The information provided in this paper also includes the latest loan interest rate of 20 18 and specific examples. I hope that the owners can understand the projects in this article and pay attention in advance, which can reduce a lot of trouble when lending for newly bought houses.

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