The latest interest rate of Qihe bank mortgage

Short-term loans: 5.60 within half a year (including half a year) and 6.00 from half a year to one year (including one year). Medium and long-term loans: one to three years (including three years) 6. 15, three to five years (including five years, more than five years 6.55). Discount: determined with the discount rate as the lower limit.

It is reported that ICBC, Bank of China and other banks in Jinan have adjusted the interest rate of the first home loan from 15% last year to 10%, while the interest rate of the second home loan is mostly 20%- 15%, which is also slightly lowered.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.