What is the mortgage interest rate of Shaanxi Credit Cooperative?

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At present, most residents choose the loan method when buying a house, which relieves people's economic pressure to some extent. They only need to pay the down payment to own a house, and then pay the mortgage every month, but do you know what the interest rate of Shaanxi Credit Cooperative is? Let's take a look with Bian Xiao. I believe it will bring you different views.

What is the mortgage interest rate of Shaanxi Credit Cooperative?

Shaanxi Credit Cooperatives has a mortgage interest rate of 0-6 months and an annual interest rate of 4.35%. The annual interest rate of loans from 6 months to 1 year is 4.35%, that from 1 year to 3 years is 4.75%, that from 3 years to 5 years is 4.75%, and that from 5 years to 30 years is 4.90%. It is recommended that friends who want to borrow money choose according to their family's economic situation.

Matters needing attention in buying a house by loan

1. Don't use the provident fund before applying for a housing loan.

If you take the money stored in the provident fund to pay the house payment before the loan, the balance of the provident fund in your personal provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year.

According to the relevant regulations, the loan should not be repaid in advance in the first year, but after one year of repayment, the amount returned should exceed six months of repayment.

Don't forget to find the bank around you if you have difficulty in repaying the loan.

If during the loan period, your solvency declines and it is difficult to repay, don't be stubborn. Generally speaking, ICBC's customers can apply to ICBC for extending the loan term. If there is no default in repaying the loan principal and interest after investigation and verification by the bank, ICBC will accept your application for extending the loan term.

Summary: Well, the above is an introduction to the interest rate of credit cooperatives in Shaanxi Province. I hope I can give you some help. I believe that in the process of understanding the interest rate of Shaanxi Credit Cooperatives, friends will be more handy and get their own satisfactory answers.

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