Go to the government affairs center to set the interest rate of

1.

Real estate mortgage registration process

1. evaluation

2. mortgage registration preparation

3. the account manager accompanied the customer to register the mortgage

4. the account manager accompanies the customer to collect other warrants

5. enter the warehouse

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the real estate registration institution shall complete the real estate registration proceres within 30 working days from the date of accepting the registration application, unless otherwise stipulated by law. It should be noted that the time limit for review does not include the time for announcement, cadastral investigation and correction of information. In other words, if some real estate registration needs announcement, cadastral investigation and correction of information, the time for announcement, cadastral investigation and correction of information is not included in 30 working days

2. If it is a housing mortgage loan, the annual interest rate is usually about 5%. The specific loan interest rate is determined by your loan contract
housing mortgage
mortgage loan is a popular way of loan at present, which is suitable for users with general qualification and credit. If they have qualified collateral in their name, they can apply for a high amount of loan by providing certificates. So how to apply for housing mortgage? Just complete the application process

1. Choose a loan institution: the first and key step in handling real estate mortgage loan is to choose a regular loan institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements are relatively slow and high. Although the interest rate of private lending is high, the audit requirements are low and the processing speed is fast. Therefore, choosing a suitable loan institution is a crucial step in the whole loan process

2. Submit application and application materials: after selecting the appropriate organization, you can bring the materials required by the application organization to submit the application

3. Preliminary audit: the lending institution will conct a preliminary audit on the basic materials submitted by us before, and the audit needs to meet the relevant requirements

4. Evaluation: General lending institutions, especially banks, require to conct evaluation at designated or recognized evaluation institutions, and evaluation fees will be charged. The fees of different institutions may be different, and the charging standards of different regions are also different

5. Approve the loan and sign the contract: the loan institution will review it again according to the previously submitted materials and evaluation report. After the approval, it will communicate with you about the loan amount, interest rate, term, repayment method, etc. after the communication, it can sign the contract< 6. Mortgage registration and loan

to sum up, the amount of housing mortgage loan should be analyzed according to the specific situation, because there are many factors that need to be considered. Therefore, we still need to understand the evaluation factors and proceres of housing before handling housing mortgage loan, so as to avoid unnecessary trouble.

3. At present, the people's Bank of China announced that the benchmark annual interest rate of loans is 0-6 months (including 6 months), and the annual interest rate is 4.35%; 6 months to 1 year (including 1 year), annual interest rate: 4.35%; 1-3 years (including 3 years), annual interest rate: 4.75%; 3-5 years (including 5 years), annual interest rate: 4.75%; 5-30 years (including 30 years), annual interest rate: 4.90%; The loan interest rate needs to be comprehensively priced in combination with the type of business you apply for, credit status, guarantee method and other factors, and can only be determined after the approval of the handling branch.

4. The standard of China Construction Bank is that 70% of the houses can be mortgaged, and 50% of the other houses can be mortgaged

the loan interest rate is the benchmark interest rate for house purchase, and the others are 10% higher

one year interest rate is 5.31%.

5. Please visit the official website of Bank of China www.boc.cn , click "financial data" - "deposit / loan interest rate" in the middle right of the home page, and select "loan interest rate table" according to the currency to query. The interest rate of each loan proct will be different. For further information, please contact the local branch of BOC
the above contents are for your reference, and the business regulations shall be subject to the actual situation
if you have any questions, you are welcome to consult the online customer service of Bank of China or download the mobile banking app of Bank of China.

6.

The interest rate and term of real estate mortgage loan are different for each bank. Compare with several banks. However, it is not easy for indivials to apply to the bank directly. They can solve the problem by looking for a guarantee company. The procere is simple and fast. They only need to carry relevant information and sign a loan agency contract with the guarantee company

entrust zuancheng guarantee to handle. The process and conditions are basically the same as that of the bank, but the proceres are guaranteed by Zuncheng. Zuancheng guarantees long-term cooperation with banks, so it has advantages in interest rate, processing speed and loan compared with indivials going to banks. Of course, customers have to bear a certain service charge

7.

If there is CMB in your city, you can try to apply for a loan through CMB. The loan interest rate needs to be comprehensively priced in combination with the type of business you apply for, credit status, guarantee method and other factors. It can only be determined after the approval of the handling branch

if you want to know about the benchmark interest rate of loan, please open the following website (webpage link)