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现在消费贷款利率多少谁比较熟悉？流程怎么走？

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现在消费贷款利率多少谁比较熟悉？流程怎么走？

浏览：54次 | 提问时间： 07-21 09:02
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3个答案
王者之吻 07-21 09:03

贷款也是需要个人符合银行要求才能顺利审批下来（个人资质很重要），消费贷款分抵押和无抵押的，无抵押信用贷款利率个人资质不同银行不同，利率在0.76-2.3分之间；房产抵押贷款可以参考央行的基准利率表（现在执行还是2020年7月份的），一般还是根据个人资质和银行不同在基准利率上上浮10-30%。

别理我 07-21 09:11

种类
项目
年利率%
一、短期贷款
六个月（含）5.58
六个月至一年（含）6.12
二、中长期贷款
一至三年（含）6.30
三至五年（含）6.48
五年以上6.84
三、贴现在再贴现利率基础上，按不超过同期贷款利率（含浮动）加点
5年的住房公积金贷款利率4.14％
5年以上的住房公积金贷款利率4.59％
5年的住房按揭基准利率为6.48％
5年以上的住房按揭基准利率为6.84％

梦在你在突然今夏 07-21 09:20

现在购房贷款利率有两种，一种是浮动利率，是指利率随着央行的利率调整而变化；还有一种是固定利率，是指在贷款合同中明确约定贷款利率为多少，不随央行的利率调整而波动。现在部分地区没有开展固定利率贷款。

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