Because the mortgage interest rate of 4.9% is only the benchmark interest rate stipulated by the state, major banks can fluctuate within a certain range according to the actual situation. The benchmark loan interest rate is 4.9%, and the mortgage interest rate is 5.8%. In fact, the lending bank is floating 20% on the basis of the benchmark interest rate, that is, it is floating 20 percentage points on the basis of the benchmark interest rate.

What are the loan procedures for buying a house?

1. 1. Choose the real estate for housing loan: Before mortgage to buy a house, you must choose a house in advance and know whether you can get a mortgage loan, so as to ensure the smooth progress of related processes. It should be noted that when choosing a house, the owner should not listen to the sales staff. It's best to go to the bank to find out clearly, especially personal credit information, and then make a decision after verification.

2. Prepare the relevant materials of housing loan and fill in the loan application form: When you want to consult the bank, you can ask for a mortgage loan first, and then prepare the relevant application materials to avoid going back and forth again and again during the application process.

3. Housing loan Signing a house purchase contract with the developer: The bank will review the relevant information submitted by the applicant, and after the review is passed, it will issue a loan agreement and a mortgage loan application. Then the owner can sign the relevant purchase contract with the real estate developer.

4. Sign a mortgage contract for house purchase loan with the bank: After signing the house purchase contract, the applicant shall pay the down payment according to the local house purchase policy, and sign a mortgage contract with the loan bank with relevant vouchers after payment, and clearly indicate the loan amount, repayment period, repayment interest rate, monthly repayment time and repayment method in this contract.

5. Mortgage registration and insurance of house purchase loan: After signing the mortgage contract with the bank, the applicant needs to go to the Housing Authority for mortgage registration with the mortgage contract, house purchase contract and personal documents. Because most mortgages have a long term, banks will require applicants to buy insurance from designated insurance companies and list banks as the first beneficiaries, thus reducing mortgage risks. If you pay attention, if you haven't handed over the house yet, you can handle it after handing it over.

6. Opening a special repayment account for housing loan: After signing the mortgage contract, the applicant needs to open a special repayment account in the designated authorized unit according to the requirements of the bank, and sign the relevant authorization letter, and then the bank will allocate the loan to the developer in one lump sum.