Commercial housing mortgage loan interest

Nowadays, many property buyers will choose real estate mortgage to buy a house when buying a house. After all, the current housing prices are very high, and families who can pay the housing prices in one lump sum do not understand. Therefore, more and more families choose real estate mortgage to buy a house. What's the interest rate on the mortgage loan?

1. What's the interest rate of the mortgage loan?

As far as the current situation is concerned, the central bank's one-year mortgage interest rate is 4.35%, the one-year to five-year mortgage interest rate is 4.75%, and the mortgage interest rate over five years is 4.90%, but the specific amount will depend on the applicant's personal qualifications. If the applicant's personal qualifications are not good, the bank will raise the loan interest rate to reduce the credit risk.

2. What are the procedures for real estate mortgage loan?

1. To apply for real estate mortgage loan, you must first write an application form and submit the required materials to the applicant, such as personal and spouse's household registration book, ID card, marriage certificate, loan purpose, etc.

2. After receiving the materials, the applicant will conduct a preliminary review of the materials to see if the applicant's conditions meet the requirements of real estate mortgage loans. At this stage, buyers only need to wait for the preliminary results.

3. After passing the preliminary examination, the applicant needs to go to the evaluation institution established by the bank for evaluation. In the evaluation process, the applicant needs to pay a certain evaluation fee, but the evaluation fee standard of each bank is different, generally between three thousandths and five thousandths.

4. The bank will review the evaluation report and the materials of the applicant's price increase. After approval, the bank will contact the applicant to discuss the loan amount, term and interest rate. The applicant can sign a real estate mortgage loan contract after no objection.

5. The applicant goes to the local housing authority to register the property mortgage, and only needs to wait for the bank to lend money after handling it.

Summary: The related issues about real estate mortgage interest rates are introduced here for everyone, hoping to help everyone. Finally, remind friends who are interested in handling real estate mortgage loans that they can choose more banks and choose banks with lower interest rates to handle real estate mortgage loans.

What's the mortgage interest rate?

1. What's the mortgage interest rate?

1. At present, the benchmark interest rate implemented by the bank is: the loan interest rate for less than one year (including one year) 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%.

2. At present, the benchmark interest rate of commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

3. The second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites.

Second, the classification of loan interest rates

According to whether the interest rate level changes during the monetary fund lending relationship, the loan interest rate can be divided into fixed interest rate and floating interest rate. Floating interest rate refers to the interest rate that is adjusted accordingly with the change of price or other factors during the loan period. Lenders and borrowers can agree that the interest rate can be adjusted with the price or other market interest rates when signing the loan agreement. Floating interest rate can avoid some disadvantages of fixed interest rate, but the calculation basis is diverse and the procedures are complicated.

China's medium-and long-term savings deposit subsidy method is a form of floating interest rate system.

How much is the housing business mortgage interest rates?

There are many ways to borrow money now, such as mortgage loan, credit loan and car mortgage, and the interest rate of each way is different. So, what's the interest rate of housing commercial mortgage loan? What are the conditions for commercial housing loans? Let's take a look together.

Housing commercial mortgage interest rate

The benchmark of housing commercial mortgage interest rate of each bank is the same, but the floating degree of loan interest rate is different. Generally, the benchmark interest rate for commercial mortgage loans within 6 months (including 6 months) is 4.60%, the interest rate for commercial loans from more than 6 months to 1 year is 4.60%, the interest rate for commercial loans from 1 year to 3 years (including 3 years) is 5.00%, and the interest rate for commercial loans from 3 years to 5 years (including 5 years) is 5.

Housing commercial loan conditions

1. First of all, the lender must have legal identity certificate, ID card, household registration book and stable and legal income certificate. If it is a foreign household registration, it is also necessary to provide a temporary residence permit from the local household registration management department.

2. The income certificate provided by the lender must be issued by the employer and stamped with the personnel seal of the company. If individuals, private enterprises and private enterprises are required to provide tax receipts and copies of business licenses within the best 3 months, tax receipts are also required if the monthly income certificate issued exceeds 2000.

3. The lender must have full capacity for civil conduct and no bad credit record, and the down payment shall not be less than 30% of the total house price.

4. Applicants for commercial loans must be at least 18 years old, but not more than 65 years old, and the loan period given by banks is different for people of different ages.

Summary: The above is about the interest rate of commercial mortgage loans and the conditions of commercial mortgage loans. I hope it will help everyone. Remind everyone that if you need to apply for a commercial loan, you'd better know the local banking policy before applying to ensure that the loan can go smoothly.

How much is the mortgage interest of real estate license?

① 6. 10% short-term loans for more than six months (inclusive);

② 6.56% from half a year to one year (inclusive);

③ 6.65% for one to three years (inclusive);

④ Three to five years (inclusive) 6.90%;

⑤ 7-year loan interest rate with a maturity of more than 5 years.

Difference between housing mortgage loan and housing mortgage loan

1. Cost variance: mainly in interest rate. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Because the policy is tight and the quota is limited, the interest rate rises instead of falling. However, the increase of mortgage is lower than that of mortgage.

2. Different subjects of legal relationship: in a mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal subjects, namely the mortgagor (bank), the mortgagor (buyer) and the third party (original owner).

3. Different preconditions: the borrower needs to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy houses or for other purposes. However, mortgage loan is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise of the purchased house provides phased guarantee, but it can only be used for buying a house.

Mortgaged and unsecured

1. From the nature of the loan, it is a credit loan, and the mortgage loan is a guarantee (or guarantee) loan;

Second, in terms of loan interest rate, the interest rate will be much higher than the mortgage interest rate. The general interest rate will be 2-3 times that of the mortgage.

Third, the loan period is relatively short, generally not more than three years. The mortgage period can be long or short, and one year can be as long as 20 years. The repayment pressure is small.

Four. Judging from the loan amount: the amount is generally small, and it is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

Mortgage loan mainly determines the loan amount according to the value of collateral. If the loan amount is relatively large, the repayment ability of the lender should also be considered.

5. In terms of loan issuance time, the approval time is short, and the loan can be obtained in 3-5 days; It takes 2-3 weeks from the approval-mortgage registration to the issuance of mortgage loans.

What is the mortgage interest rate of the house now?

1. What is the interest rate of bank mortgage loan?

1. At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;

2. The interest rate needs to be comprehensively evaluated in combination with business varieties, credit status, guarantee methods and other factors, and can only be determined after being approved by the handling outlets.

Second, the amount of housing mortgage loans.

1. The amount of house mortgage loan is related to many factors, such as the age of the house, the age of the borrower, the liquidity and liquidity of the property, etc. In short, all these will affect the appraisal value and loan ratio of real estate. The higher the assessed value of real estate and loans, the more money you can borrow. The appraised value of real estate and the loan ratio will affect the loan amount of the house.

Calculation formula of mortgage loan amount: loan amount = real estate appraisal value × loan ratio.

2. The age of real estate has become the audit standard for many banks to issue loans. Under normal circumstances, the longer the house age, the smaller the appreciation and preservation space of the house, the lower the proportion of loans granted, and may even not grant loans. For houses with remote locations and small areas, the loan ratio is generally low. Because the location is remote, the area is small, and the liquidity of the property is even worse, the loan ratio is low, and even the loan may not be available.

3. Generally, there is no fixed amount of mortgage loan. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what you think, so it must be evaluated by a professional organization. It also depends on the specific situation of your house, such as age, region, property rights and so on. Occasionally I will look at your personal situation, such as repayment ability and personal credit limit.

Third, the steps of housing mortgage loan

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).

The introduction of commercial housing mortgage interest and mortgage loan interest rate is over. I wonder if you found the information you need from it?