Operating property loan interest rate Operating property mortgage interest rate

1. What's the mortgage interest rate?

With reference to the benchmark interest rate set by the central bank in that year, commercial banks floated in mortgage interest rates within a certain range. The specific floating ratio depends on which bank to apply for mortgage loan, loan purpose and loan term.

1. If it is used for business mortgage, the mortgage interest rate will generally rise by 20% on the basis of the central bank's benchmark interest rate.

The annual interest rate of loans for less than one year (including one year) is 5.22%; The annual interest rate of loans from one year to five years (including five years) is 5.7%; The annual interest rate of loans over five years is 5.88%.

2. If it is used for consumer mortgage loans, the mortgage interest rate will generally rise by 10% on the basis of the central bank's benchmark interest rate.

The annual interest rate of loans within one year (including one year) is 4.785%; The annual interest rate of loans from one year to five years (including five years) is 5.225%; The annual interest rate of loans for more than five years is 5.39%.

The mortgage interest rate of each bank will be slightly adjusted according to the bank loan business, loan amount and loan cycle. Please consult the loan bank for specific interest rates and loan contents.

Second, how to check your mortgage interest rate?

1. If the online banking function is enabled on the repayment card, you can log in to the loan bank official website and the loan management center can inquire.

2. Call the customer service phone of the loan bank directly to check the loan balance.

3. Go directly to the loan outlet for consultation.

4. If you have received the repayment schedule at that time, you can directly see the remaining principal and interest on the schedule.

5. If the loan is handled in China Merchants Bank, please log in to China Merchants Bank's mobile banking, click my card, my loan and personal loan query, select the loan to query, click the drop-down menu on the right, and then click loan query and loan details to query the current execution interest rate of the loan.

What does the operating property loan mean? Look carefully!

Small and micro enterprises lack liquidity and often need to rely on bank loans to solve problems. There are many ways to apply for corporate loans now, and operating property loans are a popular way. So what does the operating property loan mean? Today we will briefly introduce the relevant content.

1. What is the significance of operating property loans?

Many banks and financial institutions will provide some products suitable for enterprises, such as operating property as collateral, because this property has operating income, so it can be used to repay debts.

What are the operation attributes? There are mainly the following points:

Office buildings, commercial buildings and industrial buildings that have been built and put into commercial operation, with standardized management, stable operating profit, abundant operating cash flow and good comprehensive income, mainly including office buildings, hotels and comprehensive commercial facilities.

The income of these operating properties includes all the income obtained by property owners from operating properties, including but not limited to: property rent, advertising space rent, temporary exhibition fee, management fee, deposit and admission fee.

Second, the introduction of operating property loans.

Many banks have operating real estate loans, such as:

Applicable customers: hotels or office buildings under the name of enterprises.

Loan form: real estate mortgage

Annualized interest rate: 8%- 10%

Service area: the whole country (except Hong Kong, Macao and Taiwan and the three northeastern provinces)

Financing subject: domestic enterprises

Loan amount: 80 million-65.438+0 billion.

Repayment method: interest first, then principal.

Loan term: the longest 15 years.

Operation period: 15 days

Service period: 20 days

Average amount: 80 million yuan

What is a mortgage loan?

Operating loans are financing products that serve small and medium-sized business owners or individual industrial and commercial households. Borrowers can obtain bank loans through real estate mortgage and other guarantee methods, and the loan funds are used for the production and operation needs of their enterprises or individual industrial and commercial households.

How much is the interest on the mortgage?

The latest mortgage interest rate in 2022: Since the central bank cut interest rates in March 2020, the benchmark interest rate currently implemented by banks is:

The interest rate for one year and below is 3.85%;

The interest rate for one year to five years (including five years) is 4.65%;

For more than five years, it is 4.65%

In 2022, banks are also implementing benchmark interest rates.

housing mortgage loan

Housing mortgage interest rates are classified by use, and the mainstream ones are roughly divided into two categories:

1, mortgaged real estate business:

The interest rate is 0.5% lower than the benchmark interest rate according to the policies of major banks and the specific situation of borrowers.

2. Personal consumption for the purpose of mortgaged property:

When the mortgaged property is used for personal consumption, the benchmark interest rate will generally rise 10%~30%.

Take the benchmark interest rate 202 1 released by the central bank as an example.

The interest rate for one year and below is 3.85%;

The interest rate for one year to five years (including five years) is 4.65%;

More than five years is 4.65%.

If the property mortgaged by the lender is used for business, the loan interest rate will fluctuate by 0.5% on the benchmark interest rate according to the policies of major banks and the specific situation of the borrower.

If the lender uses the mortgaged property for personal consumption, the loan interest rate will generally rise 10%~30% on the basis of the benchmark interest rate.

Excuse me, what are the loan types, interest rates and the longest term of operating loans of banks?

How many years can mortgage property be loaned, and how many years can commercial loans be loaned at the longest?

Operating loans are loans for the production and operation of self-employed or small and medium-sized micro-enterprise owners, including credit loans and mortgage loans. If it is a credit loan, you can apply directly online because you don't need mortgage guarantee, and the term is relatively short, usually 1~3 years; If the mortgage loan can provide assets under its name, such as real estate and shops, the term will be longer, up to 30 years.

No matter what type of commercial loan, the specific term shall be subject to the provisions of the lending institution.

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What's the interest rate for operating loans?

Small and medium-sized enterprises will inevitably encounter problems, so most people will choose to apply for commercial loans from banks for business operations. When you apply for a loan, you must be most concerned about the interest rate. If the interest rate is too high, people are reluctant to choose this bank. So what are the operating loan interest rates of major banks? The following contents are inquired by Fatu Bian Xiao for you.

At present, the benchmark interest rate for one-year loans is 7.47%, and banks have different interest rate policies for personal business loans. Generally, it will be 5%- 10% higher than the benchmark interest rate. But it is also divided into customers. For high-quality customers of banks, a lower standard interest rate can be applied. However, no matter how preferential it is, the upper limit of national policy is at most 10%.

I. China Construction Bank:

Wealth link: the net value of houses is 70%, the net value of shops and offices is 60%, and the net value of factories is 50%. Caitong's loan methods include guarantee, mortgage and mortgage guarantee, which can be enlarged to 65,438+000 _, 90% of commercial loans (guarantee companies or individuals can guarantee) and 80% of factory buildings. The maximum loan is100000 yuan, and the interest rate rises by 20_. In addition, the annual fee 1.5_ is charged according to the loan term, and it is charged at one time. The longest loan is 5 years. When Fortune Connect is over 500,000 yuan, the borrower requires that the loan funds be transferred to the account of the borrower's business unit, and the borrower, business unit and handling unit shall sign the Supplementary Agreement on Supervision of Transaction Funds to ensure entrusted payment and transfer the loan funds to the counterparty account.

Auxiliary loan: the net loan value is 70%, which cannot be added. If the interest rate rises by 20_, an annual fee of 1.5_ will be charged at one time.

The introduction of mortgage interest rate for operating properties ends here.