1. What's the interest on the mortgage?
Interest on mortgage loan of real estate license: 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55%.
The loan amount is 60%-70% of the total house appraisal price (different banks).
The premise of real estate mortgage loan is that the housing loan is paid off, unsecured, with real estate license, deed tax certificate and land certificate.
The registrant of real estate license and his/her spouse hold their respective ID cards, household registration books, marriage certificates, the above three kinds of housing certificates and their respective income certificates. To prove the purpose of this loan, the local commercial bank should be consulted to apply for housing mortgage loan.
Second, the calculation of housing mortgage interest
The calculation of loan interest of mortgage bank depends on the bank products and repayment methods selected by customers. (Shenzhen Wentian Assets) Analysis of repayment methods of bank loans At present, there are several repayment methods for bank real estate mortgage loans in Shenzhen:
1. Pay interest first, that is, only pay interest every month, and exchange the principal at maturity; The advantage is that the monthly payment is small, which is suitable for wages. The disadvantage is that the total interest will be more! Personal mortgage loan is an unstable repayment method, which will stop at some point. The specific situation is subject to the silver policy at that time! )
2. Matching principal and interest means that, just like mortgage, the amount paid every month is the same, including principal and interest; The advantage is that the total interest will be less than the interest before the principal, because a certain amount of principal will be repaid every month, so the interest generated in the second month will be less. The disadvantage is that the monthly pressure is relatively high! (It is recommended that customers do long-term work, which can relieve the pressure of monthly supply.)
3. The average capital, that is, the principal paid every month is the same; The advantage is that the total interest generated is less and the prepayment is more; The disadvantage is that the monthly payment is different from month to month! (It is not recommended for customers to choose this kind, because different monthly payments will easily lead to overdue customers and affect credit. )
4. Credit limit means that, like a credit card, there is a limit for customers, and how much interest will be generated when customers use it, and no interest will be generated after returning the used money; The advantage is that it can be used at any time and is flexible. The disadvantage is that some products need to cross the bridge once! (The specific situation is subject to the current policy)
5. When waiting for the principal, divide the sum of interest and principal you need to repay by the number of years to get the amount you need to repay every month (this is the only repayment method at present, subject to the bank's policy at that time).
The above small series gives you an example of the calculation method of mortgage interest, and further there are matters needing attention and detailed answers in the application process. Therefore, the interest of mortgage loan determines the cost of later expenditure and the cost-performance ratio of the project to a certain extent. In addition, in order to improve the safety index as much as possible and reduce unnecessary losses and expenses, Bian Xiao also suggested that you pay attention to many details when applying, such as the above examples that need to be analyzed emphatically, and we may borrow them if necessary.
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