A: If the loan term is less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%; If the loan term is more than 5 years, the annual interest rate of the loan is 5.04%. Different regions may be different, of course, different banks also have differences.

I. Conditions of bank mortgage loan

1, with legal status;

2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;

3. There is a legal and effective purchase contract;

4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

5. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years;

6. Being able to provide effective guarantee recognized by the loan bank;

7. Other conditions stipulated by the lending bank.

Second, the process of bank mortgage loan

1. Apply for a loan from the bank. Consult the bank about the loan materials needed for mortgage loan and the loan amount that can be applied for, and prepare the relevant loan procedures in advance.

2. Bank approval. When the borrower decides to apply for a loan, the manager will register the borrower and ask the borrower to submit the loan materials to the manager together, and the bank will review the borrower's materials.

3. Go through mortgage or notarization procedures. If the bank has agreed that the borrower is eligible to apply for a loan, then the borrower must go through the relevant mortgage registration and notarization procedures. If the loan materials are not approved, the bank will return the loan materials to the borrower.

4. Sign a loan contract and the bank issues loans. After the relevant formalities are completed, the borrower signs a loan contract with the bank, the borrower opens a personal loan account with the loan bank, and the bank will distribute the loan funds to the borrower within the time stipulated in the contract.

5. Repayment. After obtaining the loan, the borrower must repay the loan on time in accordance with the repayment terms in the loan contract. After the loan is settled, the borrower should remember to go through the mortgage cancellation procedures to avoid difficulties in applying for loans in the future.

I hope I can help you.

Judging from the problems found in banking practice, the risks of bank mortgage loans mainly exist in the following four aspects, as follows:

(1) The risk that mortgage priority of bank loans is difficult to realize. Mortgage is a real right for security based on the contractual agreement between the commercial bank and the borrower (or the third party providing mortgage guarantee for the borrower), behind which is the legal priority based on the exercise order directly stipulated by law. Once the legal priority and mortgage priority meet in the loan case, the mortgage priority is relatively low, which may lead to the loss of protection of bank loan claims to a certain extent or even completely, that is, the suspension of loan claims.

(B) the risk of poor review in the process of bank loans. Article 36 of the Law on Commercial Banks stipulates that commercial banks have the legal obligation to strictly examine the ownership, value and feasibility of collateral, so as to ensure that the collateral's guarantee function for loans can be effectively and fully exerted. In practice, there are many operational problems and great risks in the bank loan mortgage review business. The outstanding problems and risks mainly include: first, the loan ownership is misplaced; Second, the overvaluation of collateral directly causes loan risk; Thirdly, the feasibility of mortgage exercise has a significant inverse proportional impact on the loan risk.

(3) Legal risks of mortgage registration of bank loans. Risks of signing contracts and mortgage registration. In practice, the outstanding risks in signing and mortgage registration mainly include: first, the risk that the loan contract or mortgage contract is invalid; Second, there is no registration or no risk of registration; The third is the risk of repeated registration; The fourth is the risk in loan repayment or loan creditor's rights transfer business; The fifth is the risk of "two certificates" of real estate mortgage.

(4) Management risk of bank mortgage loan. Because mortgage is a security interest that the mortgaged object does not transfer possession, after the mortgage is effectively set and the loan is issued, the mortgage is still occupied by the mortgagor. The physical existence form, value form and mortgage maintenance of collateral have great influence on the actual and legal effectiveness of collateral, so the management of collateral faces great risks. The risks faced in the practice of post-loan mortgage management mainly include: the risk that the mortgagor will dispose of the collateral at will because of the weak credit concept and legal concept; Risk of collateral loss; The risk of losing mortgage restrictions; The risk that the mortgage is illegally ruled invalid; Risks of applying the principle of "creditor's rights go with assets" and the rule of "ex-rights period" in enterprise restructuring.