What is the current mortgage interest rate in Nanchang?

1. What is the current mortgage interest rate in Nanchang?

(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on June 8, 20 12. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.85%; ② 6.31%for half a year to one year (inclusive); ③ One to three years (inclusive) 6.40%; ④ Three to five years (inclusive) 6.65%; ⑤ More than five years, 6.80%.

(2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). 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 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. After 15% discount for five years and above, the interest rate is 6.8%0.85=5.78%.

Second, Nanchang apartment loan interest rate

The interest rate of the first home loan in Nanchang is 4. 1%

According to the latest news of mortgage interest rate in Nanchang in 2022, the Agricultural Bank of Nanchang, Industrial and Commercial Bank of China, China Bank, China Construction Bank, Zheshang Bank, China CITIC Bank, Jiangxi Bank, China Merchants Bank and other 13 banks have implemented 4. 1%, and the second-home mortgage interest rate has generally implemented 4.9%.

3. What is the loan interest rate of Nanchang Bank?

1, the interest rate of the first home loan: the lowest is 5.635% and the highest is 5.88%.

For the first home loan, the mortgage interest rate of most banks in Nanchang remained at 5.78%(LPR 103 basis points), including ICBC, ABC, China CITIC Bank, Ping An Bank and Bank of Beijing.

Among them, Minsheng Bank, Guangfa Bank and China Everbright Bank have the lowest mortgage interest rates of 5.635%(LPR88.5 basis points), while China Bank and China Construction Bank have the highest mortgage interest rates of 5.88%(LPR 1 13 basis points).

2. Second home mortgage interest rate: the lowest is 5.88% and the highest is 6. 125%.

The interest rate of second home mortgage is 5.88% for Minsheng Bank and China Everbright Bank, and 6.125% for China Bank, China Construction Bank and Bank of Communications (LPR137.5 basis points).

4. What is the mortgage interest rate of Nanchang 202 1?

Each bank has different regulations on the interest rate of commercial housing loans, which will change once a month and be priced according to the LPR of the corresponding period in the latest month). The latest LPR of 202 1 year is: 1 year LPR is 3.85 and 4.65%. According to the announcement issued by the central bank, the interest rate of the first loan cannot be lower than the corresponding term LPR；; ; However, the interest rate of the second set of personal commercial housing loans cannot be lower than the LPR plus 60 basis points in the same period. The specific housing commercial loan interest rate is still accurate.

Housing loan procedure

1. The borrower who borrows money to buy a house goes to the loan bank to apply for a loan.

2. After the approval of the loan bank, the loan letter of intent will be issued, and the borrower will receive the required forms for the loan.

3. Borrowers who purchase houses by loan shall purchase houses by loan contract or agreement.

4. Deposit the self-raised funds into the loan bank.

5. The mortgage borrower shall go to the loan bank with the real estate office and the Real Estate Mortgage Confirmation Certificate to sign a loan contract.

6. For the house purchase loan, the loan bank will transfer the loan together with the borrower's deposit to the borrower who sells the house according to the loan contract.

Loan purchase process

1. First, the developer puts forward the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, enterprise and financial situation, and signs a mortgage loan cooperation agreement with qualified developers;

3. The buyer who borrows money to buy a house signs a contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days after paying the down payment, the purchaser shall provide materials that meet the requirements of the mortgage bank, including: commercial housing sales contract (filing and registration), down payment receipt, income certificate and other materials deemed necessary by the bank;

5. The loan bank opens deposit accounts or bank cards for the buyers and the buyers who meet the basic conditions (including the spouses of the buyers), and reports them to the superior bank for approval;

6, the loan application approval period is generally within 7 days. For those overdue, the marketing department will timely connect with the bank, assist the purchaser to complete the loan, and sign a phased commitment letter with the mortgage bank in time.

7. Finally, the handling of problem customers:

(1) If the developer applies to cancel the mortgage loan for the buyer at the application stage due to its own reasons, the buyer shall pay off the balance in one lump sum within 20 days from the date of cancellation;

(2) If the loan amount finally approved by the bank does not reach the total mortgage amount, the purchaser shall make up the balance within 10 days from the date of bank approval;

(3) If the bank mortgage loan is not approved due to various reasons such as loan repayment ability, the seller will not return the house.

(4) For those who have not handled the sales in the loan bank for a long time, a supervision mechanism should be established, and the telephone notice should be recorded and registered. If the notice is not handled for three consecutive times (15 days), the penalty shall be charged according to the contract;