What is the interest rate of apartment loan (what is the interest rate of apartment loan)

There is no accurate answer to the interest rate of apartment loans in Shanghai, because it is related to various banks, and it is probably between 5.45% and 6.37%, which is related to the policies issued by different banks. If the provident fund loan is used, the interest rate will be lowered. It is suggested that loans should be made when banks introduce housing loan policies.

First, what do you need to know when buying an apartment?

Commercial housing is different from residential housing. Therefore, property buyers should pay attention to the nature of the apartment they buy. According to relevant regulations, the right to use the house and the right to use the land are of the same nature. The nature of commercial housing only involves residential land, commercial land and industrial land. As long as buyers look at the land use column of Building 1 on the land use certificate, they can clearly know whether it is residential or commercial. If you want to buy an apartment for investment, you can choose a business apartment. Pay attention to whether the safety system is perfect and whether the supporting facilities of the house and the surrounding traffic network are in good condition when purchasing.

Second, how many years can I borrow an apartment loan?

1. Apartment is the most extensive form of commercial real estate investment. It is a building with multiple residential units or multiple residential units. The general property right is 40 years, the down payment is more than 50%, and the loan term cannot exceed 10 year.

The advantage of the apartment is that it is not limited to purchase or loan. The policy of restricting purchases and loans affects users who can't buy houses, so they can consider buying public rental housing. It is worth noting that apartments are not allowed to apply for provident fund loans, but only commercial loans.

3. When making apartment loans, you will find that the interest rate of apartment loans is between 5.45% and 6.37%, and the benchmark interest rate of commercial loans is 4.9%, because the threshold for buying apartments is relatively low.

To sum up, the interest rate of Shanghai apartment loan is between 5.45% and 6.37%, which will be affected by bank policies and housing provident fund. Usually, it is cheaper to use housing provident fund loans. It is recommended to do a good job before choosing a house to prevent buying bad real estate and pay attention to repaying the loan on time.

40-year property apartment loan interest rate?

The interest rate of apartment loan may be higher, because the property right of apartment is only 40 years, and the nature of use is very different from that of individual residence, so some areas will raise the interest rate of apartment loan. Usually, the interest rate of apartment commercial loans basically rises by 20%-30%, and the actual transaction interest rate is around 6.37%. The house can be borrowed from the provident fund. At present, the interest on commercial housing loans has gone up 10- 15%. And some banks may have the same interest rate, but only require a high down payment. Customers can consult local banks before applying for loans.

There is a big difference between apartment loans and personal housing loans. In some areas, buying apartments will not be restricted by the purchase restriction policy. If customers don't know much about the apartment loan policy, they should consult before applying for a loan.

What is the difference between apartment loans and residential loans except interest rates?

1. Different types of loans: apartment loans are commercial loans, and only commercial loans can be used, not provident fund loans; Moreover, housing can be borrowed from provident fund or commercial loans.

2. The loan down payment ratio is different: residential houses usually have a down payment of 30% for the first suite, but the minimum down payment for apartments is 50%.

3. Different loan terms: generally, the longest loan term for a house is 30 years, while that for an apartment is 10 years.

The difference between a house and an apartment

1, different living comfort

Ordinary houses are mostly two stairs, three households or four households, with few people living, which will not bring trouble to travel and have better privacy. And apartments are generally two stairs with ten households, or even more, with many people living and low security and privacy.

2, the use cost is different

The utilities of ordinary houses are charged according to the standards of civil hydropower; Commercial apartments belong to commercial houses, and utilities are charged according to the standard of commercial water and electricity consumption. In the long run, the water and electricity expenditure of residential buildings will be half less than that of apartments.

3. Different property rights.

The use authority of ordinary houses is generally 70 years; According to the land type of the plot, the right to use the apartment is generally 40 to 50 years.

4. Solve the differences in household registration laws and regulations.

Commercial apartment is a project built on commercial land, which belongs to commercial nature, so it can't solve the hukou problem. If it is residential, different regions will have different requirements. As long as the corresponding conditions in the region are met, buyers can solve the household registration problem.

5. Different lighting conditions

Some commercial apartments have no windows in bathrooms and kitchens, and balconies are also inner balconies, so the lighting conditions are not very good. According to the Code for Design of Residential Buildings, residential buildings must meet the sunshine, lighting and other related conditions. Therefore, most of the current houses are bright kitchens and bathrooms, and the lighting conditions will be much better than those of commercial apartments.

6. Different taxes and fees

Buying an apartment and a house pay different taxes and fees, and buying an apartment has to bear more taxes and fees. Take a tax as an example. If the only house in the family is satisfied at the same time and the purchase time is more than five years, there is no need to pay a tax. However, if the property sold is a non-residential property, tax will be paid in any case.

7. Different supporting facilities

Apartments need to meet the standards of 24-hour elevator and 24-hour hot water, and most apartments cannot use open flames such as gas; The living facilities of general commercial housing are relatively not so perfect.

20 18 apartment loan interest rate

Nowadays, more and more people buy houses, but most people choose to pay down payment, and the rest are bank loans, and then pay back the loans every month, but many people don't know what the interest rate of loans is, especially for apartments. The following small series will introduce you to the interest rate of 20 18 apartment loan.

What is the interest rate of 20 18 apartment loan?

The interest rate is generally around 4.9, of course, there may be fluctuations, depending on the actual purchase of huxing. In addition, the bank loan interest rate is based on the credit situation of the loan, such as credit situation, collateral, national policy and so on. If all aspects are evaluated well, the interest rate concessions of some banks can reach up to 15% discount.

Matters needing attention in purchasing 20 18 apartment

1. Pay attention to the property right of the house when buying a house. In fact, as long as we look at the land use column, we can clearly know whether it is residential or commercial, and at the same time, we must also clarify the purpose of buying. If buying a house is for financial management, it is recommended to choose a business apartment, such as an office building, which is popular with small businesses because of its low rent. In addition, we should also consider whether the supporting facilities of the house, the security system is perfect and the surrounding traffic network is intact.

2. It is best to choose a developer with good reputation. This kind of enterprise is more responsible. At the same time, we should pay attention to the location and ask him to match the business. In addition, it depends on the size of the house. If used for rental, the area should be as small as possible. A house of 50-80 square meters is easy to rent and the rental price is reasonable.

3. Of course, we should also pay attention to the surrounding environment and supporting facilities, such as whether the supporting functions of the community meet the needs and whether the environment is beautiful. At the same time, if used for financial management, the less investment, the better. In addition, we should pay attention to the level of property management, which directly determines the rental rate of houses.

Summary: Well, this is the introduction of 20 18 apartment loan interest rate. I hope I can give you some help. I believe that in the process of understanding the loan interest rate of 20 18 apartment in the future, friends will feel more at ease and buy their own satisfactory houses.

What's the interest rate for the apartment loan?

What's the interest rate for the apartment loan?

The loan interest rate of the apartment is determined according to the LPR interest rate of the central bank during the same period. The loan interest rate will change with the different property rights purchased by the borrower. If you buy a 70-year-old property apartment, the loan interest rate will generally be slightly lower. If you buy an apartment with 40 years of small property rights, the loan interest rate will be slightly higher.

Generally speaking, if it is a commercial apartment, the loan interest rate will be 25% higher than that of a residential apartment. Suppose the bank's five-year loan interest rate is 4.9%, and the commercial apartment fluctuates by 25% on the basis of 4.9%, which is 6. 1%.

When the borrower applies for a loan line of 500,000 yuan, the principal and interest are calculated according to the loan interest rate of 6. 1%, and the total interest for one year is 30,500 yuan. If divided into ten years, the total loan interest will reach 305,000 yuan.

Need to remind everyone that if it is a commercial apartment, such as loft apartment, the longest staging time is 10 year. If it is a residential apartment, the longest installment period is still 30 years. The minimum down payment for residential apartments is 30%, and that for commercial apartments is 50%.

If the borrower needs to take his apartment to the bank for mortgage in exchange for funds, if it is a commercial apartment, the bank will basically not accept it.

What's the interest rate for the apartment loan? Why did the loan interest rate rise? Can everyone use white stripes in JD.COM?

Generally, the loan interest rate of apartments will rise by 5%-30%, and different banks will examine and approve according to the credit status of loan applicants. Because the loan period of the apartment cannot exceed 10 years, the benchmark interest rate of the central bank's commercial loan is 4.9%.

What is the interest rate of Zaozhuang apartment loan in 2022?

4.35%。 According to the query of real estate network, the loan interest rate of Zaozhuang apartment in 2022 is 4.35%, which depends on the provisions of the loan bank, different business types and loan interest rates, and the loan interest rate will also depend on the lender's credit status, guarantee methods and other factors.