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:
What is the meaning of real estate mortgage?
Mortgage loan refers to the behavior that after the buyer pays the down payment, the loan bank pays the remaining house price and pawns the purchased house to the loan bank as a guarantee for returning the loan.
After the borrower pays off the principal and interest, he will recover the property ownership from the beginning. Generally speaking, the transferor of property ownership is the mortgagor and the transferee is the beneficiary of the mortgage. It can be seen that in the process of mortgage lending, the beneficiary of mortgage is transferred to the owner of property, and the fundamental feature of mortgage is the change of ownership.
Real estate pawn loan refers to the behavior that the pawnbroker provides debts to the pawnbroker with his legal real estate without changing his possession. That is to say, pawn is based on the condition that the ownership does not change, and the pawnbroker sets the pawning right as a binding property right on the pawned real estate. In this behavior, the debtor is a pawnshop and the creditor is a pawnshop. Once the debtor pays off the debt and the principal and interest, the owner gets the complete property right.
The primary difference between the above two is whether the ownership has changed in the process of lending, which also determines that their legal relationship and operation have different characteristics.
What should I pay attention to when making mortgage loans?
Because mortgage loans will change ownership, while pawn loans will not change all relationships, the legal status and rights of both parties are different. In the mortgage, the beneficiary of the mortgage becomes the owner through the transfer of ownership and enjoys the ownership of the collateral, while the mortgagor only needs other real rights of the collateral; There is no change of ownership in the process of pawn, and the pawnshop still retains the ownership of the collateral, and the pawnshop only enjoys the rights of the pawnshop, that is, the right to dominate the pawnshop. According to the General Principles of Civil Law, ownership belongs to industrial rights, while other real rights such as pawn rights belong to "industrial rights related to industrial rights". Therefore, in the legal relationship, the beneficiary of the mortgage enjoys the first property right, while the mortgagor enjoys the first property right related to the industry. In pawn, on the contrary, the pawnbroker only enjoys "industrial rights related to industrial rights", and industrial rights belong to the pawnbroker. Therefore, the legal status and right direction of mortgage beneficiary and mortgagor are fundamentally opposite to that of pawnbroker and pawnshop.
The fundamental purpose of loan pawn guarantee is to ensure the performance of debts. Once the debtor can't fulfill the debt, the creditor can ensure the completion by selling the proceeds of the collateral. At this point, mortgage loans and pawn loans are basically the same. In terms of borrowing intention, mortgage loan and pawn loan are not exactly the same. Real estate mortgage loan generally refers to residential mortgage, while the scale of real estate pawn loan is much wider. The mortgagor's policy direction and mortgaged property are often unified, and the intention of borrowing is to buy a house and obtain the property right of the house. The pawnbroker pawned the property right of the pawned real estate with the intention of not pawning the real estate, but using the loan for other purposes. This difference is reflected in the degree of operation, which shows the operational difference between the two lending methods.