Nowadays, many people will choose to apply for loans from banks, and when applying for loans, it will involve the question of what the loan interest rate is. According to different loan methods and loan time, as well as the qualifications of different lenders, interest rates are also different. How do many people apply for a higher discount rate?
First, how to apply for mortgage interest rate concessions
1. First of all, I need to apply, fill in the application form, and prepare the house purchase contract and my ID card.
Next, you need to submit an application to the local real estate trading center. The real estate center must be audited first, and then the bank will set an audit standard. If it passes, it will sign a contract with you and the interest rate will give you a certain discount.
Second, how to get higher mortgage interest rate concessions
1. When buyers apply for mortgages, banks pay more attention to personal credit information. If the personal credit problem is better, the bank's preferential strength is still relatively large. When we borrow money, we usually have to pay it back in time. For people with good credit records, the bank will give 8.8% discount when buying a house in 1.
2. If you have repayment ability, you need to issue relevant certificates to the bank, such as providing your own running bill to prove that your work is relatively stable, so that the bank will know your repayment ability and increase its credibility. When you apply for a loan, you will naturally be given a certain discount.
3. Some people will buy wealth management products in the bank. For such customers, if they want to borrow money to buy a house in the future, the bank will also welcome them and consider giving you a certain preferential interest rate.
4. The same principle as article 3, if you choose to deposit money in the same bank, the bank will also consider giving you a certain interest rate discount when you apply for a mortgage in the future.
When we apply for a loan, how much money we borrowed will also affect the interest rate. Generally speaking, if you can meet the relevant standards of the bank, your qualifications are no problem, the interest rate will not be particularly high, and you can enjoy better discounts.
The above content is about how to operate if you want to apply for preferential interest rates on mortgage loans, and how we can get higher discounts. Always pay attention to your credit history.
Is the interest rate of the first home loan in Hangzhou discounted?
The interest rate of the first home in Hangzhou is now 4.9% higher than the benchmark interest rate, 5-8% higher than before, and now it is about 10%, which means that the loan interest rate is about 5.39%. Now that the mortgage interest rate is tightening, it is basically impossible to discount. In addition, after the National Day, that is, on June 8 10, the first set of interest rates abandoned the previous benchmark interest rate and adopted the LPR interest rate as the new benchmark. The interest rate of the first suite goes with the market, and no discount is allowed.
Want to know if there is any discount? First of all, you know who is in charge of the mortgage interest rate.
The People's Bank of China has set the benchmark interest rate, but banks and other financial institutions have the freedom to float the interest rate within a certain range based on the benchmark interest rate and inform customers. Reflected in your housing loan is the change of interest rate. For example, in the first half of the year, I wanted to buy a house and found that the interest rate was high and I was reluctant. When the loan interest rate is lowered in the second half of the year, you will get a lot of discounts on the total loan amount.
However, at present, state loans are in a tightening trend, and interest rates are rising day by day, so no bank has a discount, and basically all of them are floating.
Hangzhou property market, which continued to be crazy in the past, easily emptied the bank quota, which led to the rising mortgage interest rate by leaps and bounds, from 5% and 10% to 15% and 20%, and even news of a 30% rise. Do you still expect a discount?
At present, the interest rate of the first suite of most banks has risen by 20%, and the interest rate of the second suite has basically remained at around 25%. In the first suite, the interest rates of four banks, namely Jingzhou Sub-branch of Agricultural Bank, Sandun Sub-branch of Hangzhou Bank, Hangzhou Sub-branch of Nanjing Bank and Xixi Sub-branch of Bank of Beijing, rose the lowest 15%.
At present, the interest rate of the first suite of most banks has risen by 20%, and the interest rate of the second suite has basically remained at around 25%. Where is the discount? The latest loan interest rate table in Hangzhou is like this.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
Can the loan interest owed to the rural credit cooperatives for 25 years be discounted?
Yes Lenders who have borrowed from rural credit cooperatives for 25 years can apply for interest reduction and exemption from rural credit cooperatives if they are unable to repay their debts, and the rural credit cooperatives can get discount after agreeing to apply.
What does it mean to discount the loan interest rate?
Discounting the loan interest rate means that banks will float down on the basis of the benchmark interest rate when lending, and the interest on loan fees is relatively small at this time. Common loan interest rate discounts are 10% or 15%. However, if you want to get preferential loan interest rates, you generally need to be a high-quality customer of the bank.
20 19 The benchmark interest rate for commercial loans stipulated by the People's Bank of China is 4.35% within one year, 4.75% within one to five years and 4.90% over five years. If the above benchmark interest rates enjoy 10% discount respectively, the loan interest rates at this time are 3.9 15%, 4.275% and 4.4 1% respectively.
After the bank handles the loan, the user can repay the loan in advance with sufficient funds, and then the interest expense can be reduced. However, it is best not to repay the loan in advance more than half of the total time. After that, it is of little significance to repay the loan in advance. At this time, the interest saved is relatively small, because most of the interest has been paid in advance.
When applying for a loan in a bank, you must consult the bank in advance to find out the loan interest rate and loan conditions, and then choose the bank that suits you best. According to the loan type, the loan information will be different, but the repayment ability and good credit information are the most concerned by banks, and only users with strong repayment ability can get loans smoothly.
Housing loan interest rate discount
Different banks have certain floating rights, and banks will make appropriate adjustments according to their own deposits and loans, and the internal interest rate adjustment of banks has certain stages. It's hard to explain them all. Mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. China's housing loan interest rate discount is not always constant, but often changes, in the form of rising interest rates, so we often compare the situation before and after the interest rate increase.