1. loan interest: the interest of general mortgage loans is around 7%, depending on local banking policies. 2. Quota Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and offices can reach 60%, and the mortgage of industrial plants can reach 50%.

Interest calculation of housing mortgage loan:

The annual interest rate of housing mortgage loan is divided into two stages: (5 years as the boundary)

1. If the mortgage loan term is less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%;

2. If the mortgage loan term is more than 5 years, the annual interest rate of the loan is 5.04% (according to the actual situation of the local government).

Loan amount: the maximum amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower).

What types of houses can't be mortgaged?

1. The house with outstanding loan? produce

The real estate collateral of real estate mortgage loan must be real estate without any mortgage or loan. If the property has been mortgaged or the property is still under mortgage, the bank has other rights to the property, and the borrower mortgages the property again, and the bank cannot handle it. Because two banks can't own other rights of a property at the same time.

2. Some public houses have been purchased.

There are two situations in which the purchased public houses can't be mortgaged: First, the purchased public houses can't provide the purchase contract or agreement, because some purchase contracts will contain the clause that the original unit has the preemptive right, and the bank can't obtain other rights, so the bank can't operate this property mortgage loan; The other is the central delivery room that cannot provide the listing certificate of the purchased public housing central delivery room. Such a property cannot be listed and traded, so it is impossible to run a business.

3, less than five years of affordable housing

According to the current national policy, affordable housing less than five years old is not allowed to be listed and traded, nor can it apply for real estate mortgage loans. Housing is generally managed by affordable housing.

4. Small property houses without real estate licenses.

Residents who have not obtained the ownership certificate of small property houses have only the right to use the houses, but no ownership. Without the ownership certificate of this property, this kind of property can't be listed and traded, and it can't go through mortgage procedures and mortgage loans.

In reality, when different banks charge interest on real estate mortgage loans, the interest rates are different. Usually, if the loan term is longer, the interest rate will be higher, which means that the lender has to pay higher interest.

Legal basis:

Article 412 of the Civil Code stipulates that if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, resulting in the mortgaged property being seized according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgaged property from the date of seizure, unless the mortgagee fails to notify the debtor who should pay off the legal fruits.

The fruits specified in the preceding paragraph shall be used as the expenses for collecting fruits first.

Brief summary:

Mortgage loan interest: 1. Loan interest: The general interest on mortgage loans is around 7%, depending on the policies of local banks. 2. Quota Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and offices can reach 60%, and the mortgage of industrial plants can reach 50%.

How much can a house mortgage loan borrow?

How much can a house mortgage loan be borrowed? The maximum loan amount of a house mortgage loan is:

The amount of real estate mortgage loan is calculated according to the real estate appraisal. The maximum amount of residential mortgage loans is 70% of the valuation, and the maximum proportion of commercial buildings is 50%.

If the property still has mortgage repayment, the loan amount should be deducted from the unpaid mortgage amount.

For example, the residential property is valued at 5 million, and there are still 6.5438+0 million loans, with a maximum loan of 2.5 million (70% of 5 million-6.5438+0 million).

Mortgage loans have requirements for the age of the house. Houses over 30 years old are not accepted, commercial houses over 20 years old are not accepted, some require transfer for more than half a year, and some do not accept it.

When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;

4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.

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There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.

360 IOUs, with a maximum loan of 200,000!

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Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.

The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.

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The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

How many years can a mortgage last?

Mortgage loans can last as long as 30 years. The mortgage rate of commercial housing can reach up to 70%; The mortgage rate of office buildings and shops can reach up to 60%; The mortgage rate of industrial plants can reach up to 50%; , the longest period can reach 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

How much can a general mortgage loan borrow?

The mortgage rate of housing mortgage loans in general banks is 50%-80%, which is different for each bank, that is, the house value is 300,000, and the loan can only be1.5-24,000. Interest is generally calculated on a monthly basis, and the current loan interest is as follows.

60000x0.054X360000 divided by 36 is returned every month.

7.56 This number was a long time ago.

One to three years (including three years) 5.40

Three to five years (including five years) 5.76

More than five years 5.94

Extended data

Housing mortgage loan settlement

1, normal settlement

Settle the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment).

Step 2 settle accounts in advance

Before the maturity date of the loan, if the borrower settles part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.