What to do if you apply for a mortgage? The latest hot topics and structured guides on the entire network
Temporary reminder: The mortgage interest rate policy has been adjusted frequently recently, and the interest rate of first-home homes in banks in many places has dropped to 3.8%!
1. Hot topics related to mortgage loans in the entire network in the past 10 days
| Ranking ether> | Hot topics | Popularity index | Related Events |
|---|---|---|---|
| 1 | Mortgage interest rate cuts | 9>9.2M | Banks in many places follow up on LPR adjustments |
| 2 | Pay off the loan in advance/tdines | 3.5M | Calculation of liquidated damages has caused controversy |
| 33 | d>Relay loan reappears | 2.8M | A pilot program for a bank in Guangzhou |
2. Guide to the full process of mortgage application
| step | Required materials | Time cost | Tips to avoid pits |
|---|---|---|---|
| 1. Qualification review | ID card, income certificate, credit report | 1-3 working days | The number of queries should not exceed 5 times per month |
| 2. Online signing | House Purchase_unit Contract, Down Payment Voucher | 0.5 days | Confirmation terms |
| 3. Loan | Mortgage certificate, psam insurance policy | Within 15-30 minutes | Choose equal principal and interest/principal |
3. Comparison of core mortgage data in 2023
| Bank Type | First-rate interest rate | Second house interest rate | Release speed |
|---|---|---|---|
| State-owned banks | 3.8-na5% | 4.4-4.9% | After 2 people |
| Shareholding system | 3.7-4.0% | 4.2-4 battle.~5% | 10-15 days |
Four key points that require special oclude:
>1.Credit ReportNeed to pull 1 in advance to avoid unsettled micro loan records
2. Leave enough3-6 monthsThe monthly funds are in the card to avoid failure of approval
3. DeveloperProvident fund repayment quantumNow support online processing
4. Regional difference data
| City | Minimum interest rate | The highest number | Special policies |
|---|---|---|---|
| Beijing | 4.0% | 65% | Recognize the house and the loan |
| Suzhou | 3.7% | 80% | Talent subsidy |
PS: The latest trend this month is launched by multiple banksMortgage flash payment service, the results can be obtained through mobile banking in as fast as 3 minutes. However, the actual loan still requires the guarantee company to complete the mortgage registration, and do not trust the publicity of instant loans.
Here is a special reminder: Recently, there have been many fraud cases under the name of "low interest loan transfer". The China Banking and Insurance Regulatory Commission has issued an early warning, please handle it through formal channels.
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