The loan interest rate of the mortgage bank is 4.35% within one year, 4.75% within one year and 4.90% after five years. The interest rate of real estate mortgage loan will vary from house to house, and the specific loan interest rate will also be different. The bank raised the loan interest rate by 15% to 50%.

Matters needing attention in mortgage loan of real estate license

1, good credit record. If the borrower fails to repay the loan for a long time or is forced to do so, he will compensate the economic loss by auctioning the mortgaged house. Therefore, when handling housing mortgage loans, banks will attach great importance to the qualifications of borrowers and often cooperate with people with good credit. If you are overdue three times in a row or more than six times in two years, it may be difficult for you to apply.

2. Whether the property can be mortgaged in the name of others. Besides your own property, other people's property will also be confirmed by the bank. However, in order to prevent legal disputes, the mortgage must obtain the consent of the property owner and provide written documents to ensure that the bank will not suspect. If you mortgage the house to the owner without authorization, then the bank will not agree.

3. Whether the mortgaged house has liquidity. It stands to reason that the house mortgaged in the bank must have a certain cash flow, otherwise, the bank will not agree.

4. Whether the borrower has the ability to pay. When reviewing loans, banks will also review borrowers' repayment ability. Therefore, if you don't have a stable job and can't get a salary, a job or a bank account, then the bank will judge that your repayment ability is not strong and you can't apply for a housing mortgage.