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.

2.202 1 mortgage interest adjustment?

There are many factors that determine the interest rate, such as loan term, loan amount, purpose, lending institution, etc., which all affect the loan interest rate.

Take the benchmark interest rate 202 1 released by the central bank as an example.

The interest rate for one year and below is 3.85%;

The interest rate for one year to five years (including five years) is 4.65%;

More than five years is 4.65%.

If the property mortgaged by the lender is used for business, the loan interest rate will fluctuate by 0.5% on the benchmark interest rate according to the policies of major banks and the specific situation of the borrower.

If the lender uses the mortgaged property for personal consumption, the loan interest rate will generally rise 10%~30% on the basis of the benchmark interest rate.

Generally speaking, the full mortgage interest rates of 202 1 is basically around 4.9%-7%.

Compared with banks, the monthly interest rate of real estate mortgage is as low as 0.43%, the maximum loan is 654.38+0.5 million, and the longest term is 20 years.

But everyone's situation is different, and the specific loan amount and interest rate also vary from person to person. You can consult your own interest rate for free.

How much can a house mortgage generally borrow?

1. Generally speaking, the mortgage loan amount is different for different mortgaged properties. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%.

2. There are many factors that affect the amount of housing mortgage loan. The evaluation of real estate directly affects the amount of mortgage loan, among which the main reasons affecting the evaluation value of real estate are type, orientation, location, year of construction, floor and so on.

3. The mortgage loan limit is also directly related to the assets owned by the borrower. If there is only one property, so much can only be loaned to half of the value of real estate assessment; If you have multiple properties, you can borrow 70-80% of the value of real estate assessment.

4. The amount of personal income, the bank will also be considered within the scope of loan factors. If the personal income is low, the lending institution will consider whether the borrower has enough repayment ability, and then reduce the loan amount.

Interested in mortgage loans, you can consult the amount of free loans in advance.

Can the house bought by loan be mortgaged?

The house bought by the loan can be mortgaged, but the following conditions need to be met:

1. The property mortgaged in the bank belongs to me;

2. The borrower must be a China citizen aged 65,438+08 to 65, and hold a valid identity document.

Secondly, you must have a proper job and a stable income, so that you can repay the monthly payment on time and according to the regulations.

4. The repayment amount to the bank in the past year should be normal and not overdue, and the credit status should remain good;

Mortgage bank loan process

1. Apply for a loan

The purpose, amount and duration of the borrower's application for a loan from a financial institution.

3. What is the interest rate of mortgage loan?

The interest rate of mortgage loans varies from region to region. The national benchmark interest rate for bank loans is 4.35% for loans from 0 to 6 months (including 6 months) and 4.35% for loans from 6 months to 1 year (including 3 years).

The loan interest for three to five years (including five years) is 4.75%, and the loan interest for five to thirty years (including thirty years) is 4.90%. In banks, there will be appropriate ups and downs according to local policies and economic conditions.

Two ways to repay the loan:

1. average capital repayment method: the average principal repayment method is adopted. During the whole repayment process, the principal repaid in each installment is fixed. With more and more principal returned to the bank, the corresponding interest to be repaid in each period is less and less. The average repayment method has less repayment pressure in the later period. The average capital repayment method is suitable for people who want to repay in advance or have less economic pressure in the early stage.

2. Matching principal and interest repayment method: in the process of repayment, the principal of each period is decreasing, but the interest is increasing, so the repayment amount of each period in matching principal and interest repayment method is the same, and the repayment time is higher than the average capital and average capital of the same amount and the same number of periods.

4. What is the mortgage interest rate?

Difficulties are inevitable in life, and many people will think of loans to solve them. Because credit loans are more difficult, mortgage loans are generally chosen, and real estate is a kind that people often like to use as collateral. So what is the mortgage interest rate? The loan amount is determined according to the different loan purposes selected, but generally it does not exceed 60% of the assessed net value of mortgaged real estate; The fixed number of years is generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans. If you need to apply for a loan, it is recommended that the landlord visit Yi Rong. Online evaluation is very good.

Yi Rong is the leading online loan application platform in China. Cooperate with more than 20 banks in China/KLOC-0. The loan consultant will help you apply for a low-interest loan, as low as 6.4% annual interest. Accept online loan applications from all walks of life. An individual can choose from a number of unsecured institutions, which will definitely help to find a suitable loan with lower interest rate and improve the success rate of the loan.