The highest mortgage interest rate in Nanjing is 5.2%, which is also the current mainstream interest rate. There are also some banks, such as Jiangsu Bank, Industrial and Commercial Bank, Nanjing Bank and Industrial Bank, with interest rates ranging from 5% to 5.1%.
Influencing factors of first home loan interest rate
1. The interest rate of housing loan is influenced by credit information.
If you want to borrow money now, you need to check the lender's credit report to see if there is any problem. If the general personal credit information is good, the loan interest rate will be reduced. On the contrary, the interest rate of loans given by banks will not decrease, but will increase. If you enter the credit blacklist or bank blacklist, the bank will directly refuse the loan, so the interest rate of housing loan is affected by credit information.
2. The housing loan interest rate is influenced by the bank loan policy.
When choosing a loan, many people will find that different banks require different interest rates. In fact, it is mainly because different bank loan policies are different, so banks will adjust interest rates according to the actual situation, and different banks will make different transfers. Therefore, when we understand the housing loan interest rate, we should know the relevant policies of the bank in time.
3. The housing loan interest rate is affected by the loan term.
I believe many people who know about loans know that the longer the loan term, the higher the interest rate of housing loans, and the shorter the loan term, the lower the interest rate. Therefore, the interest rate of housing loan is closely related to the loan term, and the loan term can be adjusted according to your actual situation, which will lead to a certain interest rate difference.