Individuals who purchase apartments in full can apply for mortgage loans, and the maximum amount of mortgage loans they can apply for is 70% of the house price. There must be a valid and legal purchase contract.

1. The apartments that meet the loan conditions are generally commercial properties and residential properties, and they want to apply for a mortgage.

2, the use of apartments for mortgage loans needs to be met, with stable economic income, the ability to repay the loan principal and interest on time, no bad credit record, and a legal and effective housing transaction contract.

3. For new purchases, there must be a legal and valid purchase contract, the service life of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid.

widening of capital

What is the general interest rate for apartment mortgage loans?

1, the apartment in mortgage interest rates is average, but many banks have raised the benchmark interest rate of apartment loans a lot, and some even raised it by about 40%, which is related to regional policies.

2. The interest rates of loans executed by different banks are different. The loan interest rates implemented by major banks are based on the central bank, and the floating range mainly depends on the personal qualifications of borrowers. The borrower's personal qualification is better and the loan is more favorable.

3.0-6 months, with annual interest rate of 4.35%; 4.35%; 1-3 years, with an annual interest rate of 4.75%; 3-5 years, 30 years, with an annual interest rate of 4.90%.

2. Can the apartment be mortgaged?

The apartment can be mortgaged, as long as it is a formal property, it can be mortgaged, but the property right of the house is best not, it is not within the scope, and only the local house can be mortgaged. The lender first goes to the bank to consult the mortgage loan, and then the bank assigns it to an evaluation company for evaluation. Then the lender and his wife bring their ID card, household registration book, marriage certificate, real estate license, land certificate (or copy), business license, tax registration certificate and income certificate.

3. Can a single apartment be mortgaged?

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As long as it is your own commercial housing, you can mortgage loans.

4. Can the apartment be mortgaged?

Apartments are mainly divided into serviced apartments and residential apartments, and there are differences between them. Hotel-style apartments are commercial in nature, and so are property rights. The term of property right is usually 40 to 50 years, while the residential apartment is residential in nature and the property right is residential, with the longest term of property right being 700,000.

If it is a serviced apartment, then most banks can't apply for mortgage loans, and only a few banks and non-bank financial institutions can apply for mortgage loans for serviced apartments, up to 50% of the assessed price!

If it is a residential apartment, then most banks can handle mortgage loans for residential properties, and the maximum amount of mortgage loans is generally 70%. At present, the minimum annual interest rate of residential mortgage loans in Shanghai can reach 3.85%!

Ok, today's question about apartment mortgage is over. If you have any other questions about apartment mortgage, please ask and answer them one by one!