Now each big bank mortgage interest rates

Industrial and Commercial Bank of China 6.12% (customers can downward float) over 5 years period of individual housing loans, lower interest rates will be 0.9 times the benchmark interest rate 6.12%, namely 5.51% implementation, and will buy high-grade housing and above the second set of housing loans, will be in accordance with the benchmark interest rate 6.12% of execution, and will buy high-grade housing, the second set of housing Shoufu proportion increase. loan interest each year a settlement, there shall be charged for the remaining months owing on the loan. Can not directly apply for a bank mortgage, the need for more cumbersome procedures. Specific can query the handling bank loans business. The registered capital of more than 1000000 developers, project of more than 30000 square meters, can
China Merchants Bank (6.12% high-quality customers can downward float) 1~3 years (including) the mortgage interest rate is 5.76%, 3~5 years (including) 5.85%, 5 years to 6.12%. According to different areas and housing, to determine the number of loans into. If the bank loan application areas or projects that the risk is too large, will reduce the number of loans into. whether to accept early repayment terms, by agency bank on the loan contract. accepted mortgage business, but handle, must be issued by the Guarantee Corporation commissioned book borrowing bank mortgage loan is not irrevocable guarantee provided by Guarantee Corporation, the book, the specific operating process to the China Merchants Bank outlets. bid, the need to provide proof of identity, proof of marriage, proof of income, proof of assets, the pre-sale contract, invoice, the specific operation to the office.
Payment 17 days after 6.12% 3 months of Construction Bank individual commercial housing loans, the implementation of the central bank's benchmark interest rate 6.12%, but according to the specific situation is up or down. The specific requirements, if meet the following three conditions -- the lender is buying from the housing, the housing is the one suite loans to buy, and good information lenders, loan interest rates may downward float, the largest downward float of 10%, that is 5.51%. On the part of higher risk products, or credit record is not good clients perform higher mortgage rates, such as second sets of housing loans, loans and other high-grade villa. If owing on the loan is not full a year, choose in advance owing on the loan, according to the default number of days (up to a month) to charge interest as the default. Do not accept mortgage bank. General requirements for loans to buy homes for Xianfang credit and, to developers and property buyers income qualification, check, and then decide whether to provide.
Chinese bank pending current lender to buy the first set of villas at 0.9 times the benchmark interest rate 6.12%, namely 5.51% implementation, if the loan to buy a house, the purchase of the second set (and above) of the housing, lending rates in accordance with the same grade benchmark interest rate 6.12%. In March 17, 2005 before the loan contract signed, not loans, still in accordance with the original contract rates. Personal housing accumulation fund loans, March 17, 2005 (inclusive) loans after implementation of upward interest rate after issuance, in March 17, 2005 before the payment of the outstanding loans, increase from January 1st next year after the interest rate. If owing on the loan is not full a year, receive one month's interest as the default. Accept the mortgage bank, to the branch query. It all depends.
Agricultural Bank is lending policies is not obvious, but the industry generally believe that the CCB, ICBC housing movement "wind vane" role in the four major commercial banks. owing on the loan is not full a year, shall be returned to the default. Early repayment default payment rates * * (12- already owing on the loan months). Do not accept mortgage bank. Do not accept the business.
CITIC Industrial Bank 5.51% adjustment to pay one year's interest or the principal and interest of January as a default payment. need the original loan repaid in full, and must provide more than 2 sets of housing property. personal income proof, pre-sale contracts can be handled, for the specific conditions and procedures may consult the branch mortgage business.
Guangdong Development Bank 5.51% adjustment owing on the loan if time is not full a year, shall pay the penalty, the amount of damages in accordance with the provisions of the contract. Do not accept mortgage bank. must pass and the bank signed the loan Guarantee corporation.
The Bank of Shanghai Yishoufang loans 6~7 into 6.12%, 6 into the following 5.51%, initially set of second-hand housing 6.12% benchmark interest rate to 6.12%, if the purchase is a room, and a few loans in 6 as the following (including 6), can enjoy the preferential interest rate 5.508%, the minimum 5.51%. If the purchase is the second-hand housing do not enjoy preferential interest rates. The first half of owing on the loan period, can not charge of breach of contract. Do not accept mortgage bank. Can handle, prepare all the necessary proof of income, proof of marriage, the pre-sale contract, the developer license.
Shanghai Pudong Development Bank first 5.51%, second 6.12%, third sets of 10% undetermined loans shall be raised in a full year, can apply for early owing on the loan. Generally do not accept mortgage bank. each branch is different, can be in the house where the regional branch.
Bank of communications, 6.12%, VIP customers
5.51% In terms of the loan contract adjustment as determined. must have occurred housing transactions contract, may apply for the mortgage bank, or not for the developers must have a grade.