The mortgage interest rate of CCB is 3.85. Really?
In fact, this is a product in the series of small and micro quick loans of CCB, called "individual industrial and commercial households mortgage loan", which is a kind of secured loan. The main service target is the natural person who owns the business entity. Simply put, it is the loan business for business owners.
Users want to apply for a loan, they need collateral first. Collateral can be houses, villas, apartments, office buildings, shops and so on. If users have parking spaces with high hedging rate, they can also apply for loans from CCB. If users use office buildings, shops, etc. As collateral, the business entity needs to be established for more than three months.
This loan product is different from the mortgage loan of CCB. Users can apply for this loan online all the time, and the longest repayment period they can choose is 10 year. The maximum applicable amount is 6,543,800 yuan. If the user's application amount does not exceed 500,000 yuan, it can be directly used for the user's personal account. Of course, the lowest interest rate for this loan is 3.85%.
Before applying, the user needs to provide the borrower and mortgagor's ID card, marriage certificate, business license, real estate license and other related information. After the loan is received, it cannot be used for investment, stock purchase and other channels.
How much is the mortgage interest of CCB?
Loans within six months (including six months) 4.85%
Loans from six months to one year (including 1 year) 4.85%
One to three years (including three years) loan 5.25%
3 to 5 years (including 5 years) loan 5.25%
Loans with a term of more than five years are 5.40%.
The benchmark interest rate of bank loans is the same, but the percentage of floating is different.
The 3.85 interest rate of CCB mortgage is probably so much. Really? What's the interest rate of CCB mortgage loan? If you want to mortgage real estate loans, you have to go every step, and the bank's audit of mortgage real estate loans is also very strict.