Interest rate of provident fund loans announced by the central bank:
Less than five years (inclusive) 2.75%
More than five years, 3.25%
Take the central bank as an example. The benchmark interest rate of the central bank is:
1. Short-term loan: the interest rate is 4.35 within 6 months, and the interest rate is 4.35 from 6 months to 1 year (including one year);
2. Medium and long-term loans: 1-3 years (including 3 years) with an interest rate of 4.75; The interest rate for three to five years (including five years) is 4.75; The interest rate for more than five years is 4.90;
3. Personal housing provident fund loan: less than 5 years (inclusive), with interest rate of 2.75; The interest rate for more than five years is 3.25. The interest rate of the second mortgage will rise on the basis of the benchmark interest rate according to the applicant's conditions.
Real estate mortgage loan refers to the RMB loan that the borrower uses the purchased commercial house as collateral and the loan bank provides a package of financial services to meet the borrower's demand for housing, parking spaces and large durable consumer goods. Automobile and house decoration.
Application conditions:
1, a natural person with full civil capacity of China people and nationality;
2. Hold valid identity documents;
3. Have a stable and legal source of income;
4. Mortgaged real estate has a real estate license, clear property rights and can be listed and circulated;
5. Other conditions stipulated by the bank;
Amount period
1, and the highest mortgage rate of commercial housing can reach 70%;
2. The mortgage rate of office buildings and shops can reach 60%;
3. The mortgage rate of industrial plants can reach up to 50%;
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses, etc.
Loan information
1, valid identity certificate and household registration book of the borrower; Real estate mortgage loan process
2. Proof of marital status: the unmarried person provides the unmarried certificate, and the divorced person issues the court civil mediation or divorce certificate (indicating that he has not remarried after divorce);
3. If you are married, provide your spouse's valid identity document, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for six consecutive months);
5. Real estate property right certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
7. Second residence certificate (to ensure that the borrower has a place to live once the house is auctioned)
Be careful:
1. Loans can only have collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral;
2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;
3. Guarantor; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, real estate appraisal fee, etc.
Generally speaking, the loan takes about one month.