Is it reasonable for the first home loan interest rate of Shanxian Rural Commercial Bank to be higher than 4.9%?

1. Is the interest rate of the first home loan of Shanxian Rural Commercial Bank higher than 4.9% reasonable

The interest rate of the bank is reasonable. From a national perspective, the interest rate of provident fund loans is 3.25, and the interest rate of commercial loans is 4.9, but this figure does not mean that the interest rate of your last contract is this figure. The bank will make a comprehensive judgment according to your working status and repayment ability, and it may be higher than this figure. If you think it's too high, you can only say that your own qualifications are problematic, and the interest rate is definitely not beyond the standard < P > Second, the deposit interest rate of rural credit cooperatives in Heze City, Shandong Province?

the three-year fixed deposit rate of Shandong rural credit cooperative is 4.25%. That is to say, in rural credit cooperatives, that is, rural commercial banks, three-year time deposits belong to medium-and long-term deposits, and the interest is relatively high. The interest rate of a three-year time deposit of less than 5, yuan is 3.5, and that of a three-year time deposit of more than 5, yuan is 3.5. You deposit 5 thousand yuan, and the interest for three years is 63 yuan. Based on 1, yuan, the interest of 1, yuan for three years is, 35 yuan X12X3=126 yuan. The interest of 5, yuan for three years is 1,26 yuan X5=63 yuan. Rural credit cooperatives' deposits are very safe for the following reasons: rural credit cooperatives, like other banks, issue all kinds of deposit products and wealth management products. Because rural credit cooperatives are formal and legal financial institutions, their deposit products are also protected by the Deposit Insurance Regulations, and deposits within 5, yuan are safe.

iii. What is the benchmark interest rate of loans in a single county

The benchmark interest rate of loans in a single county is determined by the State Bank and is currently 4.35%.

4. What is the benchmark interest rate for provident fund loans in 222?

According to the interest rate table of provident fund loans of China People's Bank in 222, the interest rate of provident fund is as follows: 1. Personal housing provident fund deposits: the annual interest rate paid in the current year and carried forward in the previous year is 1.5%; 2. Personal housing provident fund loan: 2.75%, with an annual interest rate of 3.25% for more than five years. Provident fund loan refers to personal provident fund loan, which is a mortgage loan distributed by the provident fund management offices all over the country to the retired employees who have paid the provident fund during the service period of purchasing, building, demolishing and repairing their own houses by entrusting commercial banks with the provident fund paid by employees who apply for personal provident fund loans. The above is the interest rate of housing provident fund. How can the provident fund be used to borrow money to buy a house? Users can prepare their personal identity documents, the purchase agreement signed by the real estate developer, the down payment receipt, the residence permit (household registration book or temporary residence permit), personal income certificates (such as bank running water and salary slips) and other relevant materials to find a staff member at the business outlet of the local provident fund management office to explicitly apply for a loan.

after receiving the application form and filling it out, the user can just review the report and related materials. After the trial, the management office will examine and approve Yuzhou according to the material information provided by the user, and an evaluation agency will evaluate the value of the house. Users. Users who receive the notice of approval will go to the business outlets to sign the relevant procedures such as loan mortgage within the promised time, and then the bank will distribute the loan funds. Generally, it will take about two to three months to distribute the funds from the user to the account. Of course, if the bank encounters a shortage of funds and other circumstances, the approval and lending time will be delayed.