What is the interest rate of real estate mortgage in 2022?

For loans less than one year (including one year), the benchmark interest rate of real estate mortgage loans is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; More than five years is 4.90%. At present, the mortgage interest rates of bank housing is based on the benchmark interest rate stipulated by the central bank, and then fluctuates according to the lender's personal comprehensive qualification, usually by 10% to 20%. Generally speaking, the personal credit, income and assets of the lender, the area, age and location of the real estate provided by the borrower, and the amount and duration of the loan will all have a certain impact on the bank's mortgage interest rate.

There are three types of real estate mortgage loans:

Pawn loan: Pawn property mortgage loan refers to the behavior that the pawnshop mortgages its property to the pawnshop, pays a certain percentage of handling fee and interest, obtains the interest and handling fee of the pawnshop, repays the money of the pawnshop within the agreed time limit, and redeems the property of the pawnshop. Interest and other comprehensive expenses add up to about 3% per month.

Trust loan: Trust real estate mortgage loan means that the trustee accepts the entrustment of the client and issues the loan according to the object, purpose, term, interest rate and amount specified by the client (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18%.

Bank loan: The borrower applies for mortgage loan in the bank with the purchased house as mortgage or pledge, and the bank must issue a house purchase and sale contract, a house mortgage agreement, a house mortgage loan contract, etc. When applying for a mortgage loan; The annual interest rate starts at 6%.

Real estate mortgage loan refers to a loan in which the borrower mortgages his or a third party's property (including houses, offices, shops, factories, etc.). ) as a mortgage for personal comprehensive consumption, repayment is made by mortgage. The interest rate of real estate mortgage loan is usually calculated according to the percentage of one-year interest to the principal.

Housing mortgage loan requires the service life of the house to be within 20 years; The housing area should be more than 50 square meters; The house should have strong liquidity: secondly, the value of the mortgage loan: the amount of the mortgage loan is 70% of the appraised value of the house.

Personal real estate mortgage loan handling process

To apply for personal employment loans, borrowers must apply to the loan bank with the relevant application materials specified by the Construction Bank, fill in the application form and submit relevant materials.

After on-the-spot investigation and approval by the account manager, it shall be submitted to the competent examination and approval department for examination and approval. After the approval of the bank, a loan contract will be signed with the customer.

The account manager handles the loan procedures and transfers the money to the settlement account opened by the borrower in our bank, so that the customer can use the loan funds.

The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment.

After the loan is settled, the business outlet will return the mortgage (pledge) certificate to the customer.

Generally speaking, the interest rate of real estate mortgage loan is flexible, which is closely related to the comprehensive qualification of the individual, and many factors will have a certain impact on the mortgage interest rate of the bank. If these conditions of the lender are better, you can apply for a lower interest rate, otherwise it will be much higher.