1. At present, the benchmark interest rate of commercial loans announced by the bank: the annual interest rate of loans from 0 to June (including June) is 4.35%, that of loans from 6 to 1 (including 1) is 4.35%, and that of loans from 1-5 (including five years) is 4.75%.
2 provident fund loan interest rate is 2.75% for less than five years and 3.25% for more than five years.
Extended data:
Loan process:
I. Consultation of loan applicants
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
II. Preliminary review and evaluation
The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 according to the provisions of the need for personal credit evaluation of the loan applicant, the loan applicant shall sign a letter of credit evaluation under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints the relevant documents and tells the loan applicant how to go through the next procedure.
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