Chongqing latest housing loan interest rate table

What is the mortgage interest rate in Chongqing? What is the quota?

Housing mortgage loan handling process

1, the purpose, amount and life of the loan proposed by the borrower when applying for the loan.

2. Prepare loan materials

3. Appraisal of house-viewing: The relevant institutions conduct on-the-spot investigation, appraisal (survey) and valuation of mortgaged houses.

4. Submit all loan application materials together with the evaluation report or survey and evaluation opinions to the bank for approval.

5. Notarization of loan contract

6. Mortgage registration procedures

7. Bank loans.

What does the collateral include and what is the assessed value?

Collateral includes: houses, apartments, office buildings, villas and shops.

Of course, what we are most concerned about is the assessed value of collateral.

Houses and villas can be valued at about 7-90%.

Apartments, office buildings and shops can be valued at about 50%.

If the credit is good, the income is stable and the source of repayment is clear, the amount will be higher.

At present, the interest of mortgage loan is 3.3%-4.25% per annum, with equal principal and interest, with interest first and principal later. The maximum term of a single loan is 654.38+million years, and customers can choose the loan term according to their actual situation.

Application conditions:

1, individuals or business owners can.

2. The property is in Chongqing.

3. At least 18 years old, but not more than 70 years old.

4. Good credit information

5. There are repayment sources.

The above is the process and interest of bank mortgage loan.

One is private mortgage loan, which is quite simple. As long as the credit information is good and the source of repayment is clear, the next repayment can be made on the same day. The interest amount is 300,000-30,000,000 yuan, which can be interviewed at a low interest rate, with a term of 1 month-1 year, with interest before capital, and flexible operation.

In addition, we also handle various bank loans, such as secondary mortgage, decoration loan, personal credit loan, enterprise credit loans, bridge crossing, mortgage loan and other products.

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What is the interest rate of the first home loan in Chongqing?

The soaring housing prices in Chongqing have put a lot of pressure on those who just need to buy a house. Everyone wants to buy a house they like, but they find it too difficult to buy a house in full. Buying a house by loan is an easy way to buy a house, and they can enjoy many preferential policies when buying the first home loan. Next, Bian Xiao will introduce the interest rate of the first home loan in Chongqing.

What is the interest rate of the first home loan in Chongqing?

The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount. The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times or 1.05 times of the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first home loan to the benchmark interest rate.

How to define the first suite in Chongqing

1, Chongqing bought a suite with a loan, the commercial loan has been settled, and then the loan is used to buy a house-the first set is counted.

2. Chongqing bought a suite with a loan and later sold it. Real estate can't be found through the housing registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy a house-the first set of calculations.

3, Chongqing bought a suite in full, and borrowed money to buy a house-the first set.

4. Chongqing bought a suite in full and sold it later. The house registration system can't find the property, and then borrow money to buy a house-the first set.

5. There are two commercial loan records in Chongqing's personal name, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count.

Bian Xiao's conclusion: The above content is about the interest rate of Chongqing's first home loan. I hope I can help you. I believe that after reading the above, what is your interest rate for the first home loan in Chongqing? If you have more knowledge, you can also refer to it in the future.

Latest mortgage interest rate of Chongqing Rongchang Agricultural Bank

The latest mortgage interest rate of Chongqing Rongchang Agricultural Bank is 5.85% for the first suite. According to relevant information, we can know that the latest mortgage interest rate of Chongqing Rongchang Agricultural Bank is 5.85% for the first suite and 6.05% for the second suite, with a downward adjustment of 10 basis point. It won't be the first time that the mortgage interest rate in Chongqing began to decrease.