Take Foshan as an example. At present, the interest rate of the first home loan in Foshan has generally dropped to 5.6%, with a minimum of 5.4%, and the second home loan has dropped to 5.8%, with a minimum of 5.6%. The first home loan interest rate table of each bank ranks as follows: Industrial Bank: 5.40%; Hang Seng Bank: 5.45%; Agricultural Bank: 5.60%; ICBC: 5.60%; Bank of Communications: 5.60%; Rural commercial banks: 5.60%; China Merchants Bank: 5.70% Postal Savings Bank: 5.70%.
Matters needing attention in applying for mortgage loan:
credit information
Credit records are called economic identity cards, and our credit records, credit card and loan liabilities, home address, and even mobile phone numbers and water and electricity arrears records will be reflected in the credit records. When the bank examines the mortgage, it will check the credit status of the buyers. If the credit card or other loan is overdue for three consecutive times or six times in total, this situation will basically be refused.
In short, everyone should pay attention to the credit problem, and keep good credit information whether considering buying a house or not.
Age aspect
Although they are eligible to apply for mortgage loans as long as they are adults, most young buyers will be refused loans or reduced the amount of loans, because most people in this age group have unstable incomes and need their parents to help them repay their mortgages. Therefore, it is generally difficult for young buyers to obtain loans, mainly young people in 18-2 1, and people aged 30-40 are more favored by banks.
bank statement
Banks should not only check the credit records of buyers, but also require buyers to provide proof of bank flow and income for half a year or one year. Banks generally require buyers to earn twice or 2.2 times the monthly income. For example, if the monthly loan amount the buyer wants is 5000 yuan, then the monthly income of the buyer needs to reach at least 10000 yuan or 1 1000 yuan.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method.
Average capital divides the total loan into equal parts during the repayment period, and repays the same amount of principal and the interest generated by the remaining loans in that month every month.
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Matching principal and interest means paying the same amount of loans (including principal and interest) every month during the repayment period.
Monthly repayment amount = [loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]
Which bank has low interest on loans to buy a house?
The RMB loan interest rate announced by the People's Bank of China is the benchmark interest rate, which can fluctuate appropriately according to the customer's situation and loan types. For details, please consult the local branch of Bank of China. Please contact the staff of other banks directly to consult the loan interest rates of other banks.
The above contents are for your reference. Please refer to the actual business regulations.
Which bank property is low in mortgage interest rates?
Generally speaking, the interest rate of state-owned commercial banks will be lower than that of joint-stock commercial banks, and the standards of major banks are different. Here are a few simple introductions for your reference. Specific requirements shall be subject to the bank:
1, Industrial and Commercial Bank of China. Generally speaking, it is required that there should be no more than three consecutive loans and no more than four small internet loans within two years, and there is no requirement for the number of inquiries. A house with a fixed age of less than 20 years is a complete house, with a loan amount of about 70% and a monthly interest rate of 3% 12.
2. China Construction Bank. It is also required that there should be no three consecutive inquiries, no more than six inquiries within six months, no more than three internet small loans, a business license for one year, and a monthly interest of 3% 2.
3. Bank of Communications. You can't have three troubles for six times, the number of inquiries can't exceed six times in half a year, the business license is more than half a year, and the monthly interest is 3% 2.
Mortgage loan of real estate license refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.
Mortgage loan of real estate license actually refers to the types of bank loans mortgaged by commercial houses that customers already own and can be listed and circulated. It differs from second-hand housing loans and first-hand housing loans in that the real estate ownership that customers already own collapses, rather than being owned soon. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations.
For example, real estate speculation and stock speculation are not allowed. Require the mortgage loan to be used for special purposes, and accept the supervision of lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.
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