How to inquire about the bank mortgage interest rate

How to check the bank mortgage interest rate 1, call the customer service hotline of the mortgage bank and consult customers through manual channels. After confirming the customer's identity, the bank customer service will help him make an inquiry and inform him of the investigation results.

Check the loan agreement of the bank, and there will be a clear interest rate on it.

3. Log in to the online banking or mobile banking APP of the mortgage handling bank, find the mortgage you have handled on the personal loan page, and check the interest rate and other information on the mortgage page.

4. If there is a repayment schedule, you can directly see the paid principal and interest in the schedule.

5. Bring my ID card to the consulting business outlet of the housing provident fund center where I work.

And everyone should know that if it is a provident fund loan, then the benchmark interest rate of the central bank loan is implemented; If it is a commercial loan, the interest rate is based on LPR, and customers can decide according to their own interest rate level.

What should I pay attention to when buying a house with a commercial loan? 1, whether the personal credit record meets. When buying a house, the bank will review the credit record of the buyer according to the customer's credit record and the bank's running water. Personal credit records are mainly composed of personal basic information, credit records, public records and inquiry records.

2. Whether the application materials are ready. To purchase a commercial loan, you need to provide the following documents: ID card, household registration book, income certificate, marriage certificate, bank flow certificate, highest education certificate and so on. Among them, it must be more than twice the monthly debt. The policies and conditions in each region are different, so before applying, I suggest you know your application conditions and the information you need. )

3. Whether the repayment method is reasonable. When applying for a commercial loan, you must first think clearly about the repayment method you want to use, because the monthly repayment amount depends on your repayment method. There are two repayment methods, one is average capital and the other is equal principal and interest.

4. Can you repay the loan on time? For lenders, timely repayment of loans is very important. Because if the lender can't repay in time, the impact will be great. First of all, loans overdue will cause credit stains to enter the personal credit information system, which will affect other consumption of lenders. In addition, owing money will also lead to defaulting on interest. It may even be auctioned by the bank.

The above is the main content of how to inquire about the interest rate of bank mortgage and what to pay attention to when buying a house with commercial loans. I believe everyone knows about these contents, and I hope this article can give you some help.