There are two kinds of housing loans, commercial loans and personal provident fund loans. The interest rates are as follows:

1, the benchmark annual interest rate of commercial loans: 0-6 months (inclusive), and the annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;

2. Benchmark interest rate of personal provident fund loans: the benchmark interest rate of short-term loans for less than five years (including five years) is 2.75%; The benchmark interest rate for long-term loans over five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.

The process of buying a house by loan 1. Understand credit information.

First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.

Step 2 know the bank

Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.

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Second, there are several kinds of housing loans, which one is cost-effective?

Good loan network answers for you, there are three kinds. One is a provident fund loan, the other is a commercial loan, and the other is a portfolio loan (a combination of provident fund loans and commercial loans). From the perspective of cost performance, provident fund loans have the highest cost performance.

Third, what are the ways to buy a house mortgage now, and which repayment method is better?

There are two kinds of mortgage, provident fund and commercial loan. Compared with your company's contribution to the provident fund, commercial loans are simpler. There are two repayment methods for commercial loans: 1 equal principal repayment, that is, the monthly repayment amount is fixed, and the bank calculates all the interest of the loan, averaging every month. 2 equal principal repayment, that is, the monthly repayment amount decreases. If the repaid principal is not included in the interest next month, compared with the loan amount and fixed number of years in average capital, the interest paid by the average capital to the bank is less than the equivalent principal and interest. When choosing the repayment method, the bank will default to equal principal and interest.