Everyone wants to get the lowest loan interest rate when applying for a loan. However, the loan interest rate is often determined by the borrower's personal qualifications, loan application type, loan application time, repayment period, repayment method and other factors. What kind of loan has the lowest interest? Which bank has lower mortgage interest? Let's get to know each other!
What kind of loan has the lowest interest? Among all bank loans, the loans with the lowest interest rate are provident fund loans and mortgage loans. The interest rate of provident fund loans does not fluctuate with the LPR interest rate, and is generally jointly issued by the central bank and the China Banking Regulatory Commission. The interest rate of provident fund loans for more than five years is the monthly interest rate of five years and below, and the interest rate of provident fund loans is the annual interest rate, which is the same throughout the country. Generally speaking, the interest rate of mortgage loans is the lowest. Because the risk of mortgage loan is very small, and the house is very safe and easy to sell, many banks are happy to apply for real estate mortgage loan. The mortgage interest rate of many banks is lower than the benchmark interest rate. For example, the benchmark interest rate of CCB ordinary loans is 0, while the benchmark interest rate of real estate mortgage loans is compared with the interest rate of provident fund loans. The interest rate of mortgage loan is naturally relatively high, but compared with other loan products, the interest rate of mortgage loan is indeed quite low. If the borrower wants to apply for a provident fund loan, the loan qualification and loan amount will be greatly restricted. However, there is no limit on the loan amount of mortgage loan, which is mainly determined according to the value of collateral provided by the borrower. Which bank has lower mortgage interest? Of all the banks that can apply for mortgage loans, the loan interest rates of the four major banks are naturally the lowest. Among the four major banks, the mortgage interest rate of China Bank will be lower. However, it mainly depends on the personal qualifications of borrowers, not just banks. The above is the sharing of "what kind of loan interest rate is the lowest", I hope it will help everyone!
Second, in what way will the interest on buying a house be lower?
Buying a house with a loan, the first mortgage loan, can enjoy the lowest interest; Look at the mortgage regulations: 1, a first-hand house mortgage loan to buy a newly developed new house. You need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself. Loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, guarantee certificate of guarantee company, etc. Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages. 2. Second-hand housing mortgage loan is second-hand housing. You need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself. Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, appraisal report, buyer's income certificate, no house certificate, etc.
3. Which bank has a low interest rate on loans to buy a house?
Which bank has the lowest property in mortgage interest rates?
In fact, the interest rate of mortgage loans is similar to that of each bank, and the interest rates of each bank are basically the same. The interest rate is not set by the banks themselves, but is required by the CBRC, and banks have only weak adjustment authority.
Generally speaking, the interest rates of the four major state-owned banks are relatively low: China Bank, China Construction Bank, China Industrial and Commercial Bank and China Agricultural Bank; These four banks handle mortgages quickly, but the data review is very strict. Other small banks have small loans, but the requirements are simple.
If you have to say which bank's mortgage interest rate is relatively low, then under normal circumstances, some big banks, led by Industrial and Commercial Bank of China and Agricultural Bank of China, have relatively low loan interest rates. With the marketization of loan interest rates, most joint-stock commercial banks have the right to decide their own loan interest rates, and the loan interest rates of different banks are different.
Due to the risk of loan funds, banks will conduct risk control management for each loan, which means that the same bank will provide different loan interest rate conditions for borrowers with different qualifications. So the question of which bank has the lowest loan interest is meaningless to an ordinary borrower. Under the background of the current national loan restriction, it should be more important for the borrower to successfully handle a suitable real estate mortgage loan!
When the bank evaluates the borrower's loan qualification, the staff will consider the borrower's repayment ability. They will analyze the materials provided by borrowers, such as credit records, bank statements, work income certificates, asset reports, etc. , roughly calculate the borrower's monthly income and monthly expenditure, and get the monthly repayment ability. Then, combined with the borrower's loan amount and monthly payment ability, we can determine what kind of repayment method and loan term the loan customer should choose.
Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836