The housing loan interest rate of the bank is executed according to the benchmark interest rate of the central bank, and fluctuates up and down within the specified range. If the housing loan is handled in the bank, the loan interest rate is generally the benchmark interest rate, that is, the housing loan interest rate in a few areas exceeds the benchmark interest rate. If the second house loan is handled, the housing loan interest rate will be higher.
The general interest rate is:
The interest rate for more than one year (including one year) is;
The interest rate of one to five years (including five years) is;
The interest rate for more than five years is;
Use of provident fund loan: the interest rate for five years (including five years) is, and the interest rate for more than five years is.
Generally speaking, because small and medium-sized banks offer higher deposit interest rates when competing with large banks to solicit deposits, their capital costs are relatively high. The main profit source of banks is the deposit loan interest margin. The deposit interest rate is high, and the corresponding loan interest rate can only be increased.
Therefore, under the same conditions, the loan interest rate of large banks is often lower than that of small and medium-sized banks. Therefore, if conditions permit, priority should be given to loans from large banks to save interest costs.