1. What's the mortgage interest rate?

1. At present, the benchmark interest rate implemented by the bank is: the loan interest rate for less than one year (including one year) is 4.35%; The interest rate for one year to five years (including 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 based on the borrower's family (including the borrower, spouse and minor children). 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 is the mortgage interest rate of the house now?

1. What is the interest rate of bank mortgage loan?

1. At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;

2. The interest rate needs to be comprehensively evaluated in combination with business varieties, credit status, guarantee methods and other factors, and can only be determined after being approved by the handling outlets.

Second, the amount of housing mortgage loans.

1. The amount of house mortgage loan is related to many factors, such as the age of the house, the age of the borrower, the liquidity and liquidity of the property, etc. In short, all these will affect the appraisal value and loan ratio of real estate. The higher the assessed value of real estate and loans, the more money you can borrow. The appraised value of real estate and the loan ratio will affect the loan amount of the house.

Calculation formula of mortgage loan amount: loan amount = real estate appraisal value × loan ratio.

2. The age of real estate has become the audit standard for many banks to issue loans. Under normal circumstances, the longer the house age, the smaller the appreciation and preservation space of the house, the lower the proportion of loans granted, and may even not grant loans. For houses with remote locations and small areas, the loan ratio is generally low. Because the location is remote, the area is small, and the liquidity of the property is even worse, the loan ratio is low, and even the loan may not be available.

3. Generally, there is no fixed amount of mortgage loan. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what you think, so it must be evaluated by a professional organization. It also depends on the specific situation of your house, such as age, region, property rights and so on. Occasionally I will look at your personal situation, such as repayment ability and personal credit limit.

Third, the steps of housing mortgage loan

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).

What's the mortgage interest rate for the house?

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

② 6.56% from half a year to one year (inclusive);

③ 6.65% for one to three years (inclusive);

④ Three to five years (inclusive) 6.90%;

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 (bank), the mortgagor (buyer) and the third party (original owner).

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 the loan, it is a credit loan, and the mortgage loan is a guarantee (or guarantee) loan;

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

Third, the loan period is relatively short, generally not more than three 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 amount is generally small, and it 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 is short, and the loan can be obtained in 3-5 days; It takes 2-3 weeks from the approval-mortgage registration to the issuance of mortgage loans.

What's the interest rate for mortgage bank loans?

Buying a house by loan is a common choice now, mainly because the house price is on the high side, and not everyone can pay the full amount in one lump sum, so buying a house by loan becomes an inevitable choice. Buying a house by loan is generally to mortgage the real estate license to the bank, and the loan bank charges a certain interest. The applicant repays a certain amount of principal and interest every month. What is the interest rate of mortgage loan to the bank? Let's take a look with Bian Xiao.

1, Bank of China

The interest rate of mortgage bank loans is usually determined according to the length of the loan period. The housing loan interest rate of China Bank is 4.60% for less than one year, 5.00% for one to five years, and 5. 15% for more than five years. The interest rate of China Bank is adjusted according to the People's Bank of China.

2. Industrial and Commercial Bank of China

The housing loan interest rate of China Industrial and Commercial Bank is raised by 10% based on the benchmark interest rate, that is, the interest rate is 4.86% within six months, 5.3 1% within six months, 5.4% within 1 to three years, and 5.76% within three to five years and above.

3. Agricultural Bank of China

The housing loan interest rate of ABC is adjusted by 5%-20% on the basis of the benchmark interest rate, so the loan interest rate is about 4.35% for one year, 4.5% for one to three years, 4.75% for three to five years and 4.9% for five years or more.

4. China Construction Bank

The housing loan interest rate of China Construction Bank is 20% higher than the benchmark interest rate. The loan interest rate is 6. 1% for six months, 6.56% for six months to 1 year, 6.65% for three years, 6.9% for three to five years, and 7.05% for more than five years.