Rent mortgage loan refers to a loan method that uses the rental income of the house as loan collateral. It is a loan service provided by financial institutions. It can help homeowners obtain loans at lower interest rates to meet financial needs. The term of a mortgage loan is generally 1 to 5 years, and the loan amount can reach more than 90% of the house rent. The loan interest rate is generally more than 2 times the national debt interest rate, which is higher than ordinary loans.

For the question "How much is the monthly payment for a rent mortgage loan of RMB 1 million?", the first thing to consider is the loan interest rate. Because the loan interest rate for a rental mortgage loan is generally higher than that of a regular loan, the monthly payment will also be higher. According to the current treasury bond interest rate, the interest rate for a 1 million loan is 4. Calculated as 2 times the treasury bond interest rate, the interest rate for a rent mortgage loan is 8.

The next thing to calculate is the monthly payment. According to the interest rate of 8, the monthly payment for a 1 million rent mortgage loan is 80,000 yuan. This monthly payment is quite high, so only when the applicant has enough income to pay the monthly payment can he consider applying for a rent mortgage loan.

In addition, when applying for a rental mortgage loan, you also need to provide certain collateral, usually the rental income of the house, so the applicant also needs to provide proof of rental income of the house, as well as other relevant information about the house.

In addition, applicants also need to provide information about themselves, such as ID cards, academic certificates, employment certificates, property certificates, social security payment certificates, etc., as well as the applicant's credit report.

When applying for a rent mortgage loan, you also need to pay a certain handling fee. The standard handling fee is generally 2% of the loan amount. Some institutions will also charge a certain evaluation fee, so applicants need to consider the cost. question.

Finally, when applying for a rent mortgage loan, you also need to pay attention to some legal issues, such as proof of ownership of the house, and proof of mortgage rights for the house, so applicants need to make preparations in advance to ensure that the application able to pass successfully.

In general, the monthly payment for applying for a rent mortgage loan of RMB 1 million is 80,000 yuan. Applicants need to prepare relevant information, pay certain handling fees and assessment fees, and also pay attention to legal issues. , to ensure that the application can be successfully approved.