All banks that support the application of housing mortgage loans can apply for self-built house loans, but not all self-built houses can apply for loans. For example, self-built houses in rural areas are self-built houses with small property rights. No matter which bank, you cannot apply for a loan. And if you are building a house in an urban area and the land is commercial land, then in this case you can go to the bank to apply for a self-build house loan. In addition, the regulations in each region are different, so you need to refer to the local bank’s loan regulations.

Interest rates of different loan channels

1. Credit card cash installment or cash out: Friends who hold credit cards often think of using their credit cards to borrow or cash out. Let’s talk about cash out first. , it is brushed out using some methods, and it requires a handling fee. Ten thousand yuan is about 60 to 80 yuan. In addition, if calculated based on the installment interest rate, it is at least 10% or more.

2. Mortgage loan: The interest rate of bank mortgage loan is now based on local policies and bank policies, which is basically between 6% and 8%, but it also requires collateral that meets the requirements. , you also need to go through various procedures, which is relatively troublesome.

3. Bank credit loans: Many banks now also provide various mobile phone credit loans, with annual interest rates ranging from 8% to 14%, which will vary slightly depending on the product attributes. In addition, Including some repayment methods, the interest is about 15%.

4. Small loan companies: There are already many loan companies on the market with extremely low thresholds. They only need to provide basic personal information to provide loans ranging from thousands to hundreds of thousands. , a low threshold is destined to have a high interest rate, and the interest rate plus various handling fees is basically around 24%.

5. Small loan platforms: For example, formal and reliable platforms such as Jiebei, Jingdong Gold Bar, Weilidai and Wandadai all calculate interest on a daily basis, and the daily interest rate is about 0.05%. Around 18%, the annual interest rate is calculated. There are also some mobile phone loan platforms with even higher interest rates, most of which are around 36%. The annual interest rate of some illegal online loans can even be as high as 200%.