If the loaned apartment house can be mortgaged, you can apply for a second mortgage loan. However, second home mortgage loans have higher requirements on the loan and other properties. Generally, only those houses with room for value preservation and appreciation and good geographical location can be applied for. In addition, the real estate mortgage does not affect the normal use of the individual. As long as the repayment is made on time, the rental of the house and personal residence will not be affected. The house is mortgaged and can be lived in normally. However, if the property owner is transferred or changed, it will be restricted. Without the consent of the mortgagee, the property rights cannot be disposed of casually.

How much can you borrow for an apartment mortgage loan?

1. The amount of mortgage loan you can apply for for an apartment purchased in full by an individual is 70% of the house price. There must be an effective and legal house purchase contract. .

2. When buying an apartment, you should pay attention to the property rights of the house. Commercial houses and residential houses are different, so when buying a house, you should pay attention to what kind of house the apartment you are buying is. , the nature of housing use rights and land use rights are consistent, involving the nature of commercial housing, only residential land, commercial land and industrial land.

3. When buying an apartment, you must clearly understand the purpose of the purchase. If you want to buy an apartment as a residence, you can choose a commercial apartment. When purchasing, you must pay attention to whether the security system is complete, the supporting facilities of the house, and the surroundings. Whether the transportation network is intact, if it is for self-occupation, choose a residential apartment, because most commercial apartments do not have natural gas.

What is the general interest rate for apartment mortgage loans?

1. The interest rate for apartment mortgage loans is generally based on the interest rate of commercial loans, but there are many banks that base their interest rates on apartment loans on the basis of benchmark interest rates. There have been a lot of increases, some even by about 40, which is related to regional policies.

2. The loan interest rates implemented by different banks are different. The loan interest rates implemented by major banks are floating on the central bank's benchmark interest rate. The range of floating is mainly based on the borrower's personal qualifications. It depends on the situation. If the borrower's personal qualifications are better, the loan interest rate obtained during the loan application will be more favorable.

3. 0-6 months, the annual interest rate is 4.35; 6 months-1 year, the annual interest rate is 4.35; 1-3 years, the annual interest rate is 4.75; 3-5 years, the annual interest rate is 4.75; 5- 30 years, annual interest rate 4.90.