How to adjust the Construction Bank mortgage interest rate

How to adjust the CCB mortgage interest rate? Starting from March 1, 2020, CCB mobile banking and online banking can convert loan interest rates in online banking. At the same time, you can go to the smart teller machines, counters, and personal loan centers of all CCB branches to handle business with your original valid ID card.

When conducting online banking services through mobile banking and online banking (online banking), identity verification and password verification must be conducted through electronic channels.

When handling business through smart teller machines, business outlet counters, or personal loan centers, you must bring your original valid ID; when entrusting others to handle business at bank outlets or personal loan centers, you must provide your valid identity documents. and notarized power of attorney.

China Construction Bank Shenzhen Branch recently issued a notice on "Housing for Living, Not for Speculation", aiming to promote the stable and healthy development of the Shenzhen property market and ensure the reasonable housing needs of citizens.

Shenzhen Construction Bank will start to implement LPR+45BP (equal to 5.10%) for the first-home mortgage interest rate on May 7, while the second-home mortgage rate will be LPR+95BP (equal to 5.60%), which are higher than before. 15 BP and 35 BP were raised; in order to support low- and middle-income groups in purchasing affordable housing, the mortgage interest rate remains unchanged, that is, LPR+30 BP (approximately 4.95%) is implemented.

But personal loan managers agree that interest rate increases are likely to continue. The personal loan manager of the Bank of China said that it has not received any notice yet, but it is expected to be raised soon, and CCB will become a benchmark in the housing loan industry.

The personal loan manager of Agricultural Bank of China said that the interest rate is the same as before, but if you want a loan of 4.95%, it is best to put your information together with your credit record, so that you cannot enjoy a lower loan. of interest.

For example, the adjusted first home loan interest rate is 4.95%, the total loan amount is 3 million, the loan is for 30 years, the mortgage repayment is 16,013.1 yuan, and the total interest is 2.7647 million yuan.

The loan interest rate is 5.10%, the monthly payment is 16,288.49 yuan, and the total interest is 2.8639 million yuan.

The above is the main content of how to adjust the mortgage interest rate of China Construction Bank. I believe everyone has an understanding of these contents. I hope this article can give you some help.