② 6.56% for half a year to one year (inclusive);

③ 6.65% for one to three years (inclusive);

④ 6.90% for three to five years (inclusive);

⑤ 7-year loan interest rate with a maturity of more than 5 years.

Difference between housing mortgage loan and housing mortgage loan

1. Cost variance: mainly in interest rate. For mortgage loan, it is a commercial loan, also known as personal housing loan. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Because the policy is tight and the quota is limited, the interest rate rises instead of falling. However, the increase of mortgage is lower than that of mortgage.

2. Different subjects of legal relationship: in the mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal subjects, namely the mortgagor (bank), the mortgagor (buyer) and the third party (original owner).

3. Different preconditions: the borrower needs to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy houses or for other purposes. However, mortgage loan is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise of the purchased house provides phased guarantee, but it can only be used for buying a house.

Mortgaged and unsecured

1. From the nature of loans, unsecured loans are credit loans and mortgage loans are guaranteed (or guaranteed) loans;

Second, in terms of loan interest rate, the interest rate of unsecured loans will be much higher than that of mortgage loans. The general interest rate will be 2-3 times that of the mortgage.

Third, in terms of loan term, the term of unsecured loans is relatively short, generally not more than three years. The mortgage period can be long or short, one year or as long as 20 years. The repayment pressure is small.

Four. Judging from the loan amount: the unsecured loan amount is generally small, which is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

Mortgage loan mainly determines the loan amount according to the value of collateral. If the loan amount is relatively large, the repayment ability of the lender should also be considered.

5. In terms of loan issuance time, the approval time for unsecured loans is short, and loans can be obtained in 3-5 days; It takes 2-3 weeks from the approval of mortgage registration to the issuance of mortgage loans.