The latest mortgage interest rate in 2022: Since the central bank cut interest rates in March 2020, the benchmark interest rate currently implemented by banks is:

The interest rate for less than one year is 3.85%;

The annual interest rate for one year to five years is 4.65%;

For more than five years, it is 4.65%

In 2022, banks are also implementing benchmark interest rates.

housing mortgage loan

Housing mortgage interest rates are classified by use, and the mainstream ones are roughly divided into two categories:

1, mortgaged real estate business:

The interest rate is 0.5% lower than the benchmark interest rate according to the policies of major banks and the specific situation of borrowers.

2. Personal consumption for the purpose of mortgaged property:

When the mortgaged property is used for personal consumption, the benchmark interest rate will generally rise 10%~30%.

Take the benchmark interest rate 202 1 released by the central bank as an example.

The interest rate for less than one year is 3.85%;

The annual interest rate for one year to five years is 4.65%;

More than five years is 4.65%.

If the property mortgaged by the lender is used for business, the loan interest rate will fluctuate by 0.5% on the benchmark interest rate according to the policies of major banks and the specific situation of the borrower.

If the lender uses the mortgaged property for personal consumption, the loan interest rate will generally rise 10%~30% on the basis of the benchmark interest rate.

How much is the interest on the mortgage?

1. loan interest: the interest of general mortgage loans is around 7%, depending on local banking policies. 2. Quota Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and offices can reach 60%, and the mortgage of industrial plants can reach 50%.

Interest calculation of housing mortgage loan:

The annual interest rate of housing mortgage loan is divided into two stages:

1. If the mortgage loan term is less than 5 years, the annual interest rate of the loan is 4.77%;

2. If the mortgage loan term is more than 5 years, the annual interest rate of the loan is 5.04%.

Loan amount: the maximum amount shall not exceed 80% of the total purchase price or the appraised value of the house.

What types of houses can't be mortgaged?

1. The house with outstanding loan? produce

The real estate collateral of real estate mortgage loan must be real estate without any mortgage or loan. If the property has been mortgaged or the property is still under mortgage, the bank has other rights to the property, and the borrower mortgages the property again, and the bank cannot handle it. Because two banks can't own other rights of a property at the same time.

2. Some public houses have been purchased.

There are two situations in which the purchased public houses can't be mortgaged: First, the purchased public houses can't provide the purchase contract or agreement, because some purchase contracts will contain the clause that the original unit has the preemptive right, and the bank can't obtain other rights, so the bank can't operate this property mortgage loan; The other is the central delivery room that cannot provide the listing certificate of the purchased public housing central delivery room. Such a property cannot be listed and traded, so it is impossible to run a business.

3, less than five years of affordable housing

According to the current national policy, affordable housing less than five years old is not allowed to be listed and traded, nor can it apply for real estate mortgage loans. Demolition houses are generally managed in accordance with affordable housing.

4. Small property houses without real estate licenses.

Residents who have not obtained the ownership certificate of small property houses have only the right to use the houses, but no ownership. Without the ownership certificate of this property, this kind of property can't be listed and traded, and it can't go through mortgage procedures and mortgage loans.

In reality, when different banks charge interest on real estate mortgage loans, the interest rates are different. Usually, if the loan term is longer, the interest rate will be higher, which means that the lender has to pay higher interest.

Legal basis:

Article 412 of the Civil Code stipulates that if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, and the mortgaged property is sealed up by the people's court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgaged property from the date of sealing up, except that the mortgagee has not notified the debtor who should pay off the legal fruits.

The fruits specified in the preceding paragraph shall be used as the expenses for collecting fruits first.

Brief summary:

Mortgage loan interest: 1. Loan interest: The general interest on mortgage loans is around 7%, depending on the policies of local banks. 2. Quota Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and offices can reach 60%, and the mortgage of industrial plants can reach 50%.

What's the mortgage interest rate for the house?

① 6. 10% short-term loans for more than six months;

② 6.56% from half a year to one year;

③ 6.65% for one to three years;

④ 6.90% within three to five years;

⑤ 7-year loan interest rate with a maturity of more than 5 years.

Difference between housing mortgage loan and housing mortgage loan

1. Cost variance: mainly in interest rate. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Because the policy is tight and the quota is limited, the interest rate rises instead of falling. However, the increase of mortgage is lower than that of mortgage.

2. Different subjects of legal relationship: in a mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal subjects, namely the mortgagor, the mortgagor and the third party.

3. Different preconditions: the borrower needs to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy houses or for other purposes. However, mortgage loan is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise of the purchased house provides phased guarantee, but it can only be used for buying a house.

Mortgaged and unsecured

1. From the nature of loans, unsecured loans are credit loans and mortgage loans are secured loans;

Second, in terms of loan interest rate, the interest rate of unsecured loans will be much higher than that of mortgage loans. The general interest rate will be 2-3 times that of the mortgage.

Third, in terms of loan term, the term of unsecured loans is relatively short, generally not exceeding 3 years. The mortgage period can be long or short, and one year can be as long as 20 years. The repayment pressure is small.

Four. Judging from the loan amount: the unsecured loan amount is generally small, which is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

Mortgage loan mainly determines the loan amount according to the value of collateral. If the loan amount is relatively large, the repayment ability of the lender should also be considered.

5. In terms of loan issuance time, the approval time for unsecured loans is short, and loans can be released in 3-5 days; It takes 2-3 weeks from the approval-mortgage registration to the issuance of mortgage loans.

How much is the interest on the mortgage loan?

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%.

Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed.

What's the mortgage interest rate?

1. What's the mortgage interest rate?

1. At present, the benchmark interest rate implemented by banks is: the interest rate for loans with a term of less than one year is 4.35%; The annual interest rate for one year to five years is 4.75%; More than five years is 4.90%.

2. At present, the benchmark interest rate of commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

3. The second suite is defined as the number of mortgage loans with the borrower's family as the unit. Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites.

Second, the classification of loan interest rates

According to whether the interest rate level changes during the monetary fund lending relationship, the loan interest rate can be divided into fixed interest rate and floating interest rate. Floating interest rate refers to the interest rate that is adjusted accordingly with the change of price or other factors during the loan period. Lenders and borrowers can agree that the interest rate can be adjusted with the price or other market interest rates when signing the loan agreement. Floating interest rate can avoid some disadvantages of fixed interest rate, but the calculation basis is diverse and the procedures are complicated.

China's medium-and long-term savings deposit subsidy method is a form of floating interest rate system.

What's the mortgage interest rate?

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%.

Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed.