1. Short-term loan: within 1 year (inclusive), with annual interest rate of 4.350%.
2. Medium and long-term loans: 1 to 5 years (including 5 years), with an annual interest rate of 4.750%; For more than 5 years, the annual interest rate is 4.900%
3. Personal provident fund loan: less than 5 years (including 5 years), with an annual interest rate of 2.750%; The annual interest rate for more than 5 years is 3.250%.
1. Is the housing loan of Changsha Bank easy to handle?
1, age 1, within 5 years (including 2.75 years), including completely reliable bank loans. Changsha Bank 1 Information required for housing loan, with permanent residence in town or valid residence status.
2. Have a stable occupation and income, good credit and the ability to repay loan interest.
3. Have a house purchase contract or agreement.
4. Have the ability to pay the down payment of fixed funds in proportion to our requirements.
5. There is a guarantee of the purchase contract or agreement, but it is not limited to this guarantee.
Two. Housing loan process of Changsha Bank
1. The customer applies to the operating branch and submits relevant materials.
2. The business department accepts the application and conducts pre-loan investigation.
3, after the completion of the investigation, according to the review authority step by step report to the department with the right to review, review.
4. Sign a loan contract, improve the guarantee procedures and issue loans.
Three. The loan interest rate of the provident fund is% for less than five years (including five years) 2.75 for more than five years 3.25 According to the regulations of the People's Bank of China, the loan interest rates of banks are freely floating, so the loan interest rates of various banks will be different. The conditions for applying for bank loan business are: natural persons aged 18 to 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Meet other conditions stipulated by the bank. If you meet the above conditions, you can apply for a loan business at a local bank.