The second home loan bank expects the annualized interest rate to be around 8%-9%. For example, Guangfa Bank and Minsheng Bank are one of the few banks that can handle housing in two mortgage. The loan term is 65,438+0-3 years, and the combined mortgage ratio (the ratio of the total amount of two outstanding loans to the value of the property) does not exceed 60%. The loan will be issued within 65,438+0-3 months. If you are not very strict about time, you can consider it.
The expected annualized interest rate of pawn shops in secondary mortgage is monthly management fee. The term is 5 days to 6 months, and the maximum amount of the two mortgage loans is 70% of the residual value of the house. The loan will be released within 7 days. People who are pressed for time can think about it.
The comparison is to go to a third-party loan company. Two mortgage of the lending company expects the annualized interest rate to be less than 2% per month. The term is 6- 12 months, the combined mortgage rate is 70%, and the loan is released within 15 days. I'm satisfied with everything, and it won't be useless.
What is the interest rate of real estate in two mortgage?
The bank's second home loan is expected to have an annualized interest rate of 8%-9% per year. For example, there are not many banks that can handle the second mortgage of housing, such as Guangfa Bank and Minsheng Bank. The loan term is 65,438+0-3 years, and the combined mortgage ratio (the ratio of the total amount of two outstanding loans to the value of the property) does not exceed 60%. The loan term is 65,438+0-3 months. If you are not demanding on time, you can consider it.
The expected annualized interest rate of the second mortgage of the pawnshop is the monthly management fee. The term is 5 days to 6 months, and the maximum amount of the two mortgages is 70% of the residual value of the house, and the loan will be released within 7 days. People who are pressed for time can think about it.
More is to introduce to a third-party loan company. The loan company two mortgage expects the annualized interest rate to be less than 2% per month. The term is 6- 12 months, the combined mortgage rate is 70%, and the loan is released within 15 days. No matter what you are satisfied with, it will not be useless.
A little interest on the house in two mortgage.
What are the interest rates of the first and second mortgage real estate loans?
The interest rate of the second mortgage real estate loan is 8%-9% per year. At present, there are not many banks that can handle the second mortgage of houses, such as Guangfa Bank and Minsheng Bank. The loan term is 65,438+0-3 years, the combined mortgage ratio (the ratio of the total amount of two outstanding loans to the property value) is not more than 60%, and the loan term is 65,438+0-3 months. Recruit. Com reminds you that the interest rates (%) of these two mortgage loans are also related to time: (1) less than half a year (inclusive) 5. 10(2) half a year to one year (inclusive) 5. 10(3) one year to three years (inclusive) 5.50(4
2. What is the procedure of real estate loan mortgage?
Mortgaging real estate loans requires the following procedures:
1. Apply for a loan
The purpose, amount and duration of the loan applied by the borrower to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.
2. Submit loan information and evaluate the value of the house.
After the materials are submitted completely, the bank will conduct on-the-spot investigation and evaluation according to the mortgaged house.
Step 3 apply for a loan
The housing appraisal company will submit the appraisal report or appraisal opinion to the bank for approval.
4. Sign the loan contract and go through the mortgage registration formalities.
5. Bank loans, the lender repays on schedule.
Repayment on schedule is an important link to establish a good credit. If the loan is repaid in full and on time, it will play a positive role in promoting the borrower's future borrowing and job hunting.
Third, the conditions of real estate mortgage loans
1. The first loan can be 70% regardless of the region, and the interest rate is the benchmark.
2. Second loan: The maximum loan amount of the second loan is 40%, and the interest rate will rise by 65,438+00%, and so on.
3. Definition of the second set of loans: Now all banks recognize housing loans, that is, taking the family as a unit, any one of the property owner, the spouse of the property owner, the main borrower, the spouse of the main borrower, the auxiliary borrower and the spouse of the auxiliary borrower has had a housing loan or has a property under his name, and when applying for a housing loan again, it is regarded as a second set of loans. Including settled housing loan records and provident fund loan records.
4. If the title certificate belongs to the minor, you can't apply for a loan, but if the minor's children have real estate, their parents will still count it as two sets when applying for a loan.
5. Lending account: ICBC Westport lends money to the fund supervision account or the seller's account. Other banks lend money to the seller's account.
6. Three attributes: All banks will not lend.
What's the interest rate of houses in two mortgage?
The mortgage interest rate of these two houses will be relatively high. Generally, the annual interest rate of banks is between 8% and 9%, while non-banks will pay interest on a monthly basis. The monthly interest rate is around 2%, which translates into an annual interest rate of 24%. There will also be management fees, service fees and other expenses.
Generally speaking, the interest rate in two mortgage will be adjusted up and down on the basis of the benchmark interest rate according to the qualifications of applicants.