What is the current interest rate of ICBC's first home loan?
The loan interest rate shall be implemented in accordance with the relevant provisions of the People's Bank of China, and may fluctuate within the prescribed scope on the basis of the benchmark interest rate of the same period and grade published by the People's Bank of China.
Repayment methods and services, individual first-hand housing loans can take the following repayment methods:? 1. Equal principal and interest repayment method. During the loan period, the loan principal and interest shall be repaid in equal amount every month. ? 2. Average capital repayment method. Repay the loan principal in equal amount every month, and the loan interest decreases with the principal month by month? 3. Repay the principal and interest every week (two weeks or three weeks). On the basis of equal principal and interest or average capital repayment, the repayment period of principal and interest is 7 days or an integer multiple of 7 days, with the shortest period of 7 days and the longest period not exceeding 2 1 day (inclusive). ? 4. "Free repayment" repayment method. Within the repayment period agreed in the contract, the repayment amount calculated by the equal principal and interest method is taken as the minimum repayment amount for each installment, and the repayment amount is arbitrarily increased on this basis to realize early repayment. ? 5. "Check-in return" repayment method. When purchasing a property house or auction house that has signed a mortgage cooperation agreement with ICBC and the developer provides a phased guarantee for the loan, the loan principal can be postponed and only the loan interest can be returned before the purchased property moves in. The repayment date of each installment is generally the corresponding date of each installment from the month following the loan issuance date; If there is no corresponding date, the repayment date is the last day of the period; The final repayment date is the loan maturity date. You can also choose a fixed repayment date for each installment according to your own income, and arrange your personal income and expenditure reasonably. ? Within the repayment period agreed in the loan contract, the repayment date may be extended by 10 natural days on the basis of the agreed repayment date.
Service channels and time? : You can submit a loan application to the ICBC account manager at the mortgage property sales office cooperated by ICBC, or you can choose the ICBC personal loan center or the personal credit business department of the local branch to submit a loan application.
(The above answers were published on 20 13-02-20. Please refer to the actual situation for the current purchase policy. )
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