I. Interest rates of two mortgage loans for real estate.
At present, the bank's interest rate on the second mortgage is 8%-9% per year. At present, there are not many banks that can handle the second mortgage of houses, such as Guangfa Bank and Minsheng Bank. The loan term is 65,438+0-3 years, the combined mortgage ratio (the ratio of the total amount of two outstanding loans to the property value) is less than 60%, and the loan is within 65,438+0-3 months.
The two mortgage interest rate of the pawnshop is 1.5%-2.5% per month, and the management fee is extra. The term is 5 days to 6 months, the amount of two mortgages is 70% of the residual value of the house, and the loan will be released within 7 days.
In addition to this loan bank, the mortgage interest rate (%) of these two houses is also related to time:
(1) Less than six months (inclusive), 5. 10
(2) Half a year to one year (inclusive), 5. 10
(3) One to three years (inclusive), 5.50
(4) Three to five years (inclusive), 5.50
(5) More than five years (inclusive), 5.65
Second, the mortgage conditions of the second mortgage of the house
The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;
The house used for personal housing in the secondary mortgage must be an existing house;
The house is a first-hand house purchased with mortgage loan from China Bank;
The mortgage registration of the house has been completed, and our bank is the mortgagee of the house;
The house has been insured, and the original policy is managed by China Bank;
The house has excellent location, convenient transportation, complete facilities and great appreciation potential.
Third, the loan term.
The term of two mortgages should be determined according to the specific purpose of the loan. The term of personal consumption loan shall not exceed 5 years, the term of personal business loan shall not exceed 3 years, and the maturity date of the loan shall not exceed the maturity date of the first mortgage loan.
Fourth, the loan process.
1. The borrower submits the relevant information of two mortgages to the bank and applies for a loan.
2. The bank accepts the borrower's application and designates a professional appraisal institution to appraise the collateral.
3. The bank shall review the secondary mortgage information submitted by the borrower and handle relevant formalities.
4. If the bank passes the examination and approval, the borrower may entrust the guarantee company to handle the prepayment and mortgage cancellation procedures of the original loan.
5. After the original loan issuance procedures are completed, the borrower needs to go through the new mortgage registration procedures again.
6. After the formalities are completed, the bank issues the loan and the borrower repays it again.
Today, Bian Xiao analyzed the real estate explanatory texts of two mortgage loans, including process analysis and interest rate introduction. It can be seen that, generally speaking, the information and documents needed to be prepared for the second mortgage of real estate are a bit special, and a suitable scheme should be drawn up according to the differences in local bank or loan regulations. If necessary, we can certainly refer to the above and start with the basic interest rate analysis and calculation, so as to minimize the expenses or costs. I believe that only in this way can we get satisfactory results and advantages.
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