1. Is it easy to interview?
In fact, many small partners will encounter several things that are more disturbing to them in the process of buying a house with a loan. For example, if you need a bank account or personal credit report, the bank interview is only part of it. Sometimes we will get an interview notice from the bank, and sometimes we will only get a phone call from the credit manager asking you to prepare a signed phone number. Although face-to-face signing is very important, it is a very normal thing for borrowers who purchase houses from banks. As long as we keep a good attitude and get all the materials ready, we usually go to the interview.
2. The loan interest rate will be raised from September 1?
If you pay close attention to the property market, you may know that since February of 20021,the interest rate of bank mortgage in many areas has basically increased. By the end of August this year, the national first home loan interest rate has risen for seven consecutive months, and many buyers will be more worried about whether the mortgage interest rate will continue to rise from September 20021. The data shows that the headquarters of the People's Bank of Shanghai and the banks in Shanghai have decided to raise the mortgage interest rate through negotiation. In September, Shanghai 1 suite has risen from 4.65 to 5%, and the second suite has been raised from 5.25% to 5.7%, which means that the mortgage interest rate in Shanghai will indeed increase compared with September.
This shows that. Interview is a very important part of our loan process. The importance of face-to-face signing is self-evident. I suggest you consult the bank when you sign the face-to-face, so that you will feel more at ease and avoid being routine.