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Which loan products to buy a low interest rate

Time: 2017-01-19         Source: Rong 360 finishing         Author: 360 Financial consolidation

Various loans are different from the loan pricing system in the market environment, many people from which bank loans always undecided, because it is not yet sure which bank loans interest rates, the lowest interest rates, then, which loan products Loan to buy a house low interest rates, as follows:

1, if you want to apply for housing loans, of course preferredHousing provident fund loans

everybody knowsProvident fund loansIs the country for loans to buy home to provide low interest rates of loans, and now use the provident fund loans to buy a house a month than commercial loans to buy a house low 0. 25% (5 years of commercial lending benchmark interest rate 6.55%, 4.5% of provident fund loans), so apply for housing Loan, preferredhousing fundloan.

2, loans to buy a house - housing mortgage

If you want to pay a low interest on loans, then the housing mortgage loans should undoubtedly be used as a provident fund loans, the preferred way home. The reason is that the bank's pricing system is complementary to the risks it takes. Therefore, due to the existence of collateral, the bank in the risk of the basic control of the case, the interest will be relatively small.

However, specifically, the banks of the charges and the application of the threshold there are subtle differences. In Beijing, for example, CCB and Bank of China, housing mortgage charges the most close to the people, 1 year annual interest rates were 6.6% and 6.9%, only the benchmark interest rate (benchmark interest rate 6.55%) on the basis of a small floating. Attachment: CCB housing mortgage interest rate is 5 years or less (inclusive) 6 .65%, 5 years or more 6.80%; Bank of China interest is the benchmark floating 30%, the longest loan 10 years.

In addition, when choosing a loan, be sure to understand the corresponding interest rates, terms and conditions of the loan line! The above information is for reference only, the specific interest rates to the major lending institutions prevail!

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