How to calculate the parking loan interest rate?

Under normal circumstances, the parking loan belongs to the commercial real estate mortgage, and its interest rate needs to rise at least 10% on the basis of the normal housing loan interest rate, that is, it needs to be close to 7%. However, at present, the interest rates of Guangzhou Bank, Agricultural Bank and Rural Commercial Bank, which specialize in parking loans, are much lower than the normal commercial property loan interest rates, even lower than the three-year and five-year time deposits of bank time deposits in the same period.

Guangzhou Bank's "parking loan" charges 3.4% every year. The interest rates of Agricultural Bank of China and Rural Commercial Bank depend on the number of years. If the loan term of ABC is one year, the handling fee is 3.5%. If it is three years, the handling fee is only 65,438+00%, which is only about 3.3% per year. Rural commercial banks charge 3.3% for parking loans for three years and 20% for five years, with an average of 4% per year, slightly lower than the other two banks.

Unlike ordinary parking loans, which can be applied for ten years at the longest, these ultra-high loanable parking loans can only be applied for three or five years. Among them, ABC's parking loans have three options: one year, two years and three years. Guangzhou Bank can be extended to four or five years by stages; The installment period of rural commercial banks is one year, three years and five years.

Both Guangzhou Bank and Rural Commercial Bank promise to be free of mortgage, guarantee and down payment, and support credit card payment, among which Guangzhou Bank promises to lend money within three days. Applicants can apply for "parking loan" only by providing ID card and photocopy, certificate of property owner, certificate of unit income, half-year bank account, parking space sales contract and deposit or down payment receipt.

At present, many banks call the "interest rate" of "parking loan" "commission rate". These "parking loans" may be more similar to credit card loans, so just like credit cards, the interest rate is called commission rate.

Extended data:

Under normal circumstances, because the parking space belongs to "commercial" property, when the owner applies for "parking space loan" from the bank, he can only apply for a loan of up to 50,000 yuan and the longest 10 year, and the interest rate should at least rise by 10% on the basis of the benchmark interest rate of house purchase loan, at least close to 7%.

The minimum loan amount of "parking space loan" of these three banks is 654.38+10,000 yuan, of which the maximum loan amount of rural commercial banks is 400,000 yuan, and the maximum loan amount of Agricultural Bank of China and Guangzhou Bank is 500,000 yuan. The Agricultural Bank also promised that the maximum loan amount can be 80% of the parking space price. Rural commercial banks and Guangzhou Bank can also be exempted from down payment, which is much higher than the current first home loan loanable amount (up to 70,000).

Ordinary people should pay attention to the following points when applying for "parking loan":

First of all, according to the current relevant policies, only the owners of residential areas can buy parking spaces in the corresponding residential areas, and it is impossible for non-owners to buy them; Secondly, the owner of the parking space must be consistent with the owner of the property right unit, and the spouse must also produce relevant certificates. It can't be the owner of this car, and the buyer of the parking space is another person;

Thirdly, the application for "parking loan" must meet the relevant conditions, such as the residential area where the parking space is located must be the real estate partner of the bank;

Finally, many parking loans that seem to have favorable conditions are actually repaid in a short time, up to three or five years, which will inevitably increase the monthly supply pressure of buyers. Therefore, if you want to apply for such a parking loan, you must estimate your repayment ability before making a decision.

People's Network-500,000 deposit banks can earn a maximum of 45,625 if they apply for a five-year matching parking loan.