Interest on mortgage loan of real estate license: 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55%.
Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed.
How much is the interest on the mortgage loan with a house?
Interest on mortgage loan of real estate license: 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55%.
Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed.
How much is the interest on the mortgage?
Take a house worth 200,000 as an example. Mortgage loan: the down payment can be 30%, and the loan is 6.5438+0.4 million yuan. The interest rate is generally 85% of the benchmark interest rate. If it is a mortgage loan, the maximum loan is 6,543,800 yuan (50% of the appraised house price). The interest rate is about 120% of the benchmark interest rate.
If your house can be mortgaged, you can borrow 6.5438+0.2 million yuan. Mortgage loan: the repayment method of equal principal and interest is 1.20 million yuan, 1.5%, the actual monthly interest rate is 4.208‰, the monthly repayment is 9.5202 million yuan, and the repayment is1.71.40 million yuan, with interest of 51. Pawn loan: the repayment method of equal principal and interest is 6,543.8+0.20 million yuan, 6,543.8+05 years, the interest rate rises by 20%, the monthly interest rate is 5.940‰, the monthly repayment is 6,543.8+0.087.20, the calculated repayment is 6,543.8+0.957 million yuan, and the interest difference is about 2.4.
Extended data:
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 Term: Generally, the longest loan term is no more than 30 years.
Loan amount: the maximum amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower).
How to calculate the mortgage interest?
Interest on mortgage loan of real estate license: 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55%.
Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed.
How much is the interest of mortgage loan with real estate license?
① 6. 10% short-term loans for more than six months (inclusive);
② 6.56% from half a year to one year (inclusive);
③ 6.65% for one to three years (inclusive);
④ Three to five years (inclusive) 6.90%;
⑤ 7-year loan interest rate with a maturity of more than 5 years.
Difference between housing mortgage loan and housing mortgage loan
1. Cost variance: mainly in interest rate. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Because the policy is tight and the quota is limited, the interest rate rises instead of falling. However, the increase of mortgage is lower than that of mortgage.
2. Different subjects of legal relationship: in a mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal subjects, namely the mortgagor (bank), the mortgagor (buyer) and the third party (original owner).
3. Different preconditions: the borrower needs to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy houses or for other purposes. However, mortgage loan is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise of the purchased house provides phased guarantee, but it can only be used for buying a house.
Mortgaged and unsecured
1. From the nature of the loan, it is a credit loan, and the mortgage loan is a guarantee (or guarantee) loan;
Second, in terms of loan interest rate, the interest rate will be much higher than the mortgage interest rate. The general interest rate will be 2-3 times that of the mortgage.
Third, the loan period is relatively short, generally not more than three years. The mortgage period can be long or short, and one year can be as long as 20 years. The repayment pressure is small.
Four. Judging from the loan amount: the amount is generally small, and it is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.
Mortgage loan mainly determines the loan amount according to the value of collateral. If the loan amount is relatively large, the repayment ability of the lender should also be considered.
5. In terms of loan issuance time, the approval time is short, and the loan can be obtained in 3-5 days; It takes 2-3 weeks from the approval-mortgage registration to the issuance of mortgage loans.
This concludes the introduction of housing mortgage interest and housing mortgage interest. I wonder if you have found the information you need?