1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);

2. medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years;

3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.

that's what the mortgage interest rate of rural commercial banks is in 222. What do you need to prepare for applying for a housing loan?

When applying for a housing loan, users should prepare personal credit report, income flow, personal income certificate, bank card, valid ID card, household registration book and other raw materials in advance. If you buy a house in a different place, it is very likely that users will need to prepare temporary residence permits and social security payment certificates in advance. Generally speaking, what information users need to prepare in advance, real estate developers will tell them in detail, just follow the requirements of real estate developers, and there will be no problem in preparing materials according to reminders. After the user prepares the materials, the real estate agent will sort out the materials, and then make clear whether there are any omissions or mistakes. After it is accurate, the user's materials will be submitted to the social security center or commercial banks for trial. It is particularly important to note that even if the user has prepared the materials in advance, the final loan application may not pass. The loan bank will conduct a detailed verification of the user's materials, and the bank will only lend money if it is approved. Therefore, users should not take chances. They should pay attention to the progress of loans anytime and anywhere and be prepared. How long does it usually take to approve a residential loan?

Usually, it takes 2 to 3 days to get a residential loan, which will be postponed in case of holidays. Generally speaking, the loan duration of bank service outlets is relatively long. After the user submits the application, the bank will need about 7 working days to review the qualification, and then contact the applicant through information contact to sign the loan agreement. After the contract is signed, it will take 3 to 7 days for the loan to arrive. It should be noted that users must pay attention to avoid unique time periods when applying for loans. Because the bank's loan property is limited, sometimes the loan funds in the bank are insufficient, and the loan duration will be slower. The maximum loan duration is likely to take several months. Mainly because the bank will not lend money until after the year, which will directly affect the purchase of houses by users. In the application for housing loan, the personal qualification of the applicant will directly affect the approval speed of housing loan. This article mainly writes about the knowledge about how much the mortgage interest rate of rural commercial banks is in 222, and the content is for reference only.