What does the mortgage interest rate of 49 mean?
The mortgage interest rate of 49 means that the mortgage interest rate for one year is 4.9%, that is, the loan 10000 yuan, and the interest for one year is 490 yuan. Now the mortgage interest rate standards of major banks are different. Usually, the loan interest rate of 1-3 is 4.75%, and the loan interest rate of more than five years is 4.9%. The bank will make appropriate adjustments according to its own situation and the lender's credit information.
What are the steps of bank loan?
1. After buying a house, pay part of the down payment first, and then borrow the rest from the bank. Choose the right bank for the loan and choose the bank with lower interest rate.
2 bank loans include commercial loans, provident fund loans and portfolio loans. Commercial loans are fast, but the interest rate is high. Try to choose provident fund loans with low interest rates, which can save a lot of money.
3. After choosing the loan method, apply for a loan from the bank. At this time, it is necessary to submit the housing sales contract, household registration book, marriage certificate, income certificate and other materials, which must be prepared, otherwise the bank will not allow loans, so it is best to prepare materials in advance.
4. After the applicant submits the information, the bank will check the information, and at the same time, they will also check the applicant's credit information, so it is necessary to ensure a good credit record during the loan period. After the approval, the bank will inform you to sign a loan contract.
After the loan contract is signed, the bank will complete the loan in a short time. At this time, your real estate license needs to be mortgaged in the bank. A copy of the real estate license will be given to you temporarily, and the original will be returned to you after the loan is paid off.
Bian Xiao concluded: The above is about the meaning of mortgage interest rate 49. I believe everyone understands! The interest rate of each bank loan is different, and the loan term is different, so the interest rate of the loan is different, so you should ask clearly when lending.