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Yes, the so-called interest before capital refers to the loan method of paying interest first and paying the principal last every month.
At present, many banks have loan business with interest before capital.
At present, many banks have loan business with interest before capital.
For example, China Construction Bank, China Industrial and Commercial Bank and Postal Savings Bank.
It's just that there are too many personal loan products of the Postal Savings Bank, such as consumer loans, corporate loans and so on.
What is the interest rate of postal mortgage?
The loan interest rate of Postal Savings Bank in 2022 is as follows:
1. Short-term loans, 4.35% within six months (including six months) and 4.35% from six months to one year (including one year).
2. Medium and long-term loans, 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.
3 individual housing provident fund loans, less than five years (including five years) is 2.75%, more than five years is 3.25%.
The annual deposit interest rate of China Postal Savings Bank in 2022 is as follows:
1. Demand deposit with an annual interest rate of 0.3%.
2. Regular lump-sum deposit and withdrawal, with annual interest rates of three months 1.35%, six months 1.56%, six years 1.78%, two years 2.25%, three years 2.75% and five years 2.75%.
3. Fixed-term, lump-sum deposit and lump-sum withdrawal, deposit and principal interest, 0-year annual interest rate 1.35%, 3-year annual interest rate 1.56%, and 5-year annual interest rate 1.56%.
4. Live and work in peace and contentment, and take the same grade interest rate at a 40% discount rate on a regular basis within one year.
5. Agreement deposit, annual interest rate 1%.
6. Notice deposit, annual interest rate 1 day 0.55%, 7 days 1. 1%.
China Post Group Co., Ltd., referred to as China Post for short, was formally restructured from the former China Post Group Company on February 20 19. Is a wholly state-owned company established in accordance with the Company Law of People's Republic of China (PRC). There is no shareholders' meeting in the company, and the Ministry of Finance will perform the investor's duties on behalf of the State Council in accordance with national laws and administrative regulations. The company has a party group, a board of directors and a manager. The company operates various postal services according to law, undertakes universal postal service obligations, provides special postal services entrusted by the government, and commercializes competitive postal services.
20 19 July, the Fortune Global 500 list was released, and China Post Group ranked 10 1. 20 19 12, China post group company was selected as one of the top brands in 20 19 China Brand Power Festival 100. In 2020, China Post Group Company ranked 90th among Fortune Global 500 enterprises and 2nd among global postal enterprises.
Which bank in Shenyang can make mortgage loans now?
Basically, all banks can apply for mortgage loans, but the premise is to meet the loan conditions and consult the local bank business hall. Different banks have different loan interest rates and different loan review requirements. You can look at several more banks and make a choice after comparison.
First, the basic conditions for applying for a loan:
1, a natural person with China nationality and full capacity for civil conduct;
2. Hold valid identity documents;
3. Have a stable and legal source of income;
4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;
5. Other conditions stipulated by the bank.
Two. Loan amount and term:
1, and the highest mortgage rate of commercial housing can reach 80%;
2. The mortgage rate of office buildings and shops can reach up to 60%;
3. The mortgage rate of industrial plants can reach up to 50%;
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.
Third, the operation process of real estate mortgage registration:
Time limit for real estate mortgage loan registration: 7 working days
The following documents are required:
1, house ownership certificate;
2. Evaluation report;
3. Real estate mortgage bank loan contract;
4. Mortgagor's ID card (leave an ID card that is verified with the original);
5. Other relevant materials.
Handling process: acceptance of registration 1 day, 2 days of preliminary examination, 3 days of review 1 day, 3 days of approval, replacement of certificate 1 day, payment 1 day, and filing.
Four, China Postal Savings Bank real estate mortgage loan process:
1. The borrower opens a current deposit account in China Postal Savings Bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
The house I sold in Shenyang was bought by the Postal Savings Bank. How soon can I pay?
Hello, China Postal Savings Bank will issue an opinion on the examination and approval of individual housing loans within 2 working days at the earliest. The withdrawal time limit is determined by the real estate transfer and mortgage registration cycle in various places. Please consult your local post office for details. I hope my answer is helpful to you.
What loans does Shenyang Housing Mortgage Bank have?
Usually, some people can apply for micro-credit loans, but in case the amount of funds needed is too large, it is impossible for a credit to give such a high amount. At this time, a mortgage loan is needed. Next, I will introduce several mortgage bank loans in Shenyang for the reference of local people in Shenyang.
Shengjing Bank
Shengjing Bank is the first headquarters bank in Shenyang, and it is the earliest, largest and most powerful city commercial bank in Northeast China. Shengjing Bank, as a local commercial bank, provides loans to Shenyang Housing Mortgage Bank, and the specific amount and duration depend on the housing situation. It is recommended to go directly to the outlets for consultation.
Ping An Bank
Ping An Bank is one of Chinese mainland 12 national joint-stock commercial banks. It also provides Shenyang with a mortgage loan with a maximum amount of 75% of the property value. Before, you can call customer service to light the fire or go to the outlets for consultation.
China construction bank
As one of the five state-owned banks in China, CCB also provides the maximum loan of 70% of the value of the mortgaged house. Huaxia Bank requires that the real estate can only be applied in its own name, and it also needs to go to the outlets for an interview.
The above are several Shenyang mortgage bank loans listed for everyone. Of course, not only the above, but basically all state-owned banks and commercial banks support mortgage. However, as we all know, the bank loan review process is cumbersome and time-consuming. Compared with bank mortgage loans, if money is urgently needed, it will be introduced to some lending institutions. For example,
There are some products that support housing mortgage loans, and the next payment is fast, and the interest rate is not much higher than that of banks, which is suitable for urgent need of money. Click of interest
Just try it.
Interest rate of Shenyang Postal Savings Bank
1. The deposit interest rate for lump-sum deposit and withdrawal for three months is1.35%; Half-year deposit interest rate1.56%; One-year deposit interest rate1.78%; The two-year deposit rate is 2.25%; The three-year deposit rate is 2.75%. The five-year deposit rate is 2.75%.
2. lump-sum deposit and withdrawal, deposit and interest. One-year deposit interest rate1.35%; The three-year deposit interest rate is1.56%; The five-year deposit interest rate is 1.56%.
3. Life and work. One-time discount at the same grade interest rate within one year. The agreed deposit is 1.00%. Notice deposit is 0.55% for one day and 7 days 1. 10%.
Postal savings loans have three kinds of interest: the loan interest rate within one year (inclusive) is 4.35%; The interest rate for the loan term of one to five years (including five years) is 4.75%; The interest rate for loans over five years is 4.90%.
This is the end of the customer service telephone introduction of Shenyang postal loan and Shenyang Postal Savings Bank loan. I wonder if you found the information you need from it?