Decompressing real estate as mortgage loan refers to first demortgaging the property that is under mortgage, and then mortgage the property to the bank to obtain a loan with more loan funds than the original loan balance. It is a kind of loan. Way.

Housing mortgage loan is a loan in which a bank legally obtains the lien and pledge rights on the borrower's property through certain contracts through certain contracts to ensure the safety of the loan. A loan provided to it.

The advantages of real estate mortgage loans are as follows:

1. The interest rate is relatively low. Due to the existence of collateral, home mortgage loan interest rates are relatively low, ranging from 10% to 30% above the base interest rate. Compared with unsecured loans, this has obvious advantages.

2. The loan period is longer, and the maximum loan period is 30 years, but the sum of the borrower’s age and the loan period shall not exceed 70 years.

3. The loan amount is relatively high. The loan amount is usually 50%-70% of the appraised value of the house, with a maximum limit of 15 million yuan. Specifically, the mortgage rate for commercial residential buildings can be up to 70%; for office buildings and shops, the mortgage rate can be up to 60%; and for industrial plants, the mortgage rate can be up to 50%. Basically, it can meet the capital needs of the majority of borrowers.