The mortgage interest rate is the housing provident fund loan interest rate: 1-5 interest rate 2.75%, 6-30 interest rate 3.25%; Benchmark interest rate of commercial bank loans: 1 annual interest rate: 4.35%, 1-3 annual interest rate:

4.75%, 3-5 year annual interest rate: 4.75%, 6-25 year annual interest rate: 4.90%. Generally speaking, mortgage loan is "mortgage", and mortgage interest rate is divided into provident fund loan interest rate and commercial loan interest rate.

Mortgage loan processing program

The specific procedures for property buyers to apply for real estate mortgage are as follows:

(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.

(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

(4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

(5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

(6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

What needs to be clear is that the mortgage interest rate is not fixed. Under the premise of the national benchmark interest rate, it is legal for local governments to float reasonably according to the actual situation of local mortgage loans to adapt to the improvement of economic development level. It should be noted that the interest rate of commercial loans is much higher than that of provident fund loans, so it is recommended to use provident fund loans.

Please click to enter the picture description (maximum 18 words).

How to calculate the interest on mortgage loan?

If you want to calculate the interest of mortgage loan, you must know the mortgage type, loan amount, loan interest rate, loan term and loan repayment method.

I. Types of loans

There are three kinds of loans: provident fund loans, pure commercial loans and portfolio loans. The biggest difference lies in the different loan interest rates.

1, the first home loan interest rate of provident fund loan 15 years, 2.75%, 5 years and above, 3.25%; The second suite is 1. 1 times higher than the first home loan.

2. The interest rate of pure commercial loans is based on LPR basis points, mainly referring to the LPR interest rate in the same period of last month. For example, the five-year LPR is 4.45% and the added value given by the bank is 80 BP, so the mortgage interest rate is 5.25%.

3. Portfolio loan refers to applying for provident fund loans, but the amount is not enough to apply for commercial loans, and different loan types correspond to corresponding interest rates.

Second, the loan term.

The longest loan period of mortgage loan is 30 years, but it should be calculated according to the applicant's age and retirement age when applying for mortgage.

According to the retirement of women at the age of 55 and men at the age of 60, as long as the applicant is under the age of 35 at the time of loan, he still has the opportunity to borrow for 30 years. The specific term should be comprehensively evaluated in combination with repayment ability, credit status and other factors.

Third, the loan amount.

The amount of commercial loans is assessed by the bank according to the applicant's repayment ability, personal credit and other comprehensive factors.

The amount of provident fund loans should also refer to factors such as the balance of provident fund accounts and the deposit base of provident fund. The amount of housing provident fund centers in different regions is also different.

Fourth, the repayment method

There are two kinds: equal principal and interest and average capital. The former has less loan principal and more interest. The latter repays the principal in equal amount every month, and the monthly payment decreases with the decrease of the principal.

You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.

Extended data:

How to calculate the mortgage interest of buying a house?

The calculation of mortgage loan interest mainly depends on what repayment method is chosen. There are two main ways of mortgage repayment: equal principal and interest and average principal.

If the repayment method of equal principal and interest is selected, the calculation formula is: monthly repayment amount (principal interest) = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]⊙[( 1 interest rate )× repayment months]. It can be concluded that total interest = monthly repayment amount × repayment months-loan principal = [loan principal× monthly interest rate× (1interest rate )× repayment months ]⊙[( 1 interest rate )× repayment months-loan principal.

If the average repayment method is selected, the calculation formula is: monthly repayment amount (principal interest) = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate. Monthly interest payable = (loan principal-accumulated repaid principal amount) × monthly interest rate, and monthly principal payable = loan principal ÷ repayment months.

How much is the mortgage interest?

According to the regulations of the central bank, the benchmark interest rate of the latest one-year loan from 2065438 to August 2005 is 5.25%. Banks will raise or lower the benchmark interest rate when calculating the loan interest rate. Now that interest rates are market-oriented, banks can generally go down 10% for high-quality customers, and may go up by 20% for bad customers, basically depending on the financial situation of loan customers. Housing mortgage loan is a popular high-quality loan for banks, and it is more likely to implement the benchmark interest rate. If you follow

5.25% of the benchmark interest rate, then the annual loan interest is 200,000.

5.25%=

1.500 yuan.

If it is a mortgage loan, the annual interest rate is usually around 6%.

3. If it is a general loan, then each bank has its own interest rate, and the specific situation needs specific negotiation, which is usually higher than the mortgage interest rate.

If it is a credit loan, the interest rate will be slightly lower than that of ordinary loans. Interest = 0 in 65438+200000.

5. If it is a commercial loan, the annual interest rate is 5.56%, 1 year.

If the benchmark interest rate is 5.25%, the annual loan interest is 2,000,005.25% = 65,438+0.500 yuan.

2. If it is a mortgage loan, the annual interest rate is usually around 6%.

3. If it is a general loan, each bank has its own interest rate, and the specific situation needs specific negotiation, which is usually higher than the mortgage interest rate. If it is a credit loan, the interest rate will be slightly lower than that of a general loan. Interest rate = 200000 15. If it is a commercial loan, the annual interest rate is 5.56% 1 year, and it is not discounted.

How long does it take to mortgage the loan?

The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you.

Generally speaking, it takes a long time for a bank loan to be approved and refinanced, at least half a month. Slow is slow, but when we apply for a loan, we mainly consider the interest problem and the reliability of the lending institution. Therefore, when lending, we should fully consider it, and fast lending is not necessarily good.

First, the lender prepares materials, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to hear the driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

How to calculate the interest of mortgage loan for buying a house?

The repayment method of mortgage can be divided into two calculation methods: equal principal and interest and average principal.

1, repayment method of equal principal and interest

Its characteristic is that during the whole repayment period, the monthly repayment amount remains unchanged. Lenders can accurately grasp the monthly repayment amount and arrange family expenses in a planned way. Suitable for families with stable income and convenient for borrowers to arrange their monthly life reasonably. For young people who just work, because of their low income in the early stage, they can also choose this repayment method to alleviate the pressure of life.

2. Average capital repayment method

It is characterized in that the principal is divided equally throughout the repayment period, and the interest is calculated daily according to the loan principal balance. The monthly repayment amount decreases gradually, but the repayment rate remains unchanged. Suitable for people who have strong initial repayment ability and want to reduce interest expenses by returning a large sum of money. Old people can also choose this repayment method, because they will get old or retire, and their income may decrease in the later period.

This paper introduces the calculation methods of two repayment methods.

If a house 100 square meters, per square meter 10000 yuan, with a down payment of 30% and a loan of 20 years, then the total price of this house is10000x100 =1000 million yuan, with a down payment of 300,000 yuan and a loan.

1, repayment method of equal principal and interest

Monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]=[( 1 interest rate) repayment months-1]

Monthly interest rate = annual interest rate12

In the formula, 0 represents the power, such as 240, which represents the power of 240 (that is, the loan is 20 years and 240 months).

Monthly repayment amount = 700,000 x (6.13%12) x (16.13%/12) 240 ÷ [(/kloc-0)

Total interest = monthly repayment amount × loan months-principal = 5067.7x240-700000 = 516248 yuan.

Total repayment amount = monthly repayment amount × loan months = 5067.7x240 =1216248 yuan.

2. Average capital repayment method

Repayment amount in the first month = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal amount) × monthly interest rate = 700,000 ÷ 24.07 million× (6.13% ÷12) = 6,492.50 yuan.

Declining monthly payment = loan principal ÷ repayment months × monthly interest rate = 700,000 ÷ 240x (6.13% ÷12) =14.90 yuan.

Last month's repayment amount = first month's repayment amount-monthly decreasing amount (loan months-1) = 6492.5-4.9x (240-1) = 2931.4 yuan.

Total interest = [(total loans ÷ repayment months × monthly interest rate) total loans ÷ repayment months ×(65438+ monthly interest rate)] ÷ 2× repayment months-total loans = [(700,000 ÷ 2407,000× 6.65438)]

According to the calculation, the repayment amount in the first month is about 6492.50 yuan (it will decrease month by month, and the repayment amount in the last month is about 293 1.40 yuan. The total repayment is about 1 130900 yuan, and the total interest is about 430900 yuan.

If you think the calculation is complicated, you can also use the real estate network mortgage calculator to calculate the monthly mortgage payment, which is simple and easy to operate.

Extended data

How to save loan interest when buying a house

1, giving priority to provident fund loans.

The interest rate of provident fund loans is much lower than that of commercial loans. If property buyers usually pay housing provident fund, it is recommended to give priority to provident fund loans, which can save a lot of interest.

2. Choose the repayment method in the average capital.

Under the same mortgage interest rate, the repayment method of average capital saves a lot of money than the repayment method of equal principal and interest. However, in the form of average capital repayment, the supply pressure of housing in the early stage is relatively high, and the monthly mortgage payment is very high. After the monthly decline, the pressure behind it will become less.

3. Shorten the loan term

It is precisely because of the existence of compound interest that time determines the amount of interest. Therefore, under the premise of not affecting the loan approval and normal life, shortening the loan period as much as possible can reduce a lot of interest.

Loans for 25 or 30 years, although the monthly repayment is only a few hundred yuan, but it is in these five years that property buyers can pay a lot less interest, so the power of time is still great.

4. Choose a bank with a lower mortgage interest rate.

Baidu baike

Baidu Encyclopedia _ Bank Mortgage

What is the mortgage interest rate of real estate license?

Generally, the property ownership certificate is about 4.35% in mortgage interest rates. The mortgage interest rate of the house will be different according to the situation of the house and the lender, and the actual lending interest rate shall prevail. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Classification of mortgage loans:

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

Second, the enterprise mortgage loan

Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.

What's the mortgage interest rate?

Nowadays, many property buyers will choose real estate mortgage to buy a house when buying a house. After all, the current housing prices are very high, and families who can pay the housing prices in one lump sum do not understand. Therefore, more and more families choose real estate mortgage to buy a house. What's the interest rate on the mortgage loan?

1. What's the interest rate of the mortgage loan?

As far as the current situation is concerned, the central bank's one-year mortgage interest rate is 4.35%, the one-year to five-year mortgage interest rate is 4.75%, and the mortgage interest rate over five years is 4.90%, but the specific amount will depend on the applicant's personal qualifications. If the applicant's personal qualifications are not good, the bank will raise the loan interest rate to reduce the credit risk.

2. What are the procedures for real estate mortgage loan?

1. To apply for a real estate mortgage loan, you must first write an application form and submit the required materials to the applicant, such as personal and spouse's household registration book, ID card, marriage certificate and loan purpose.

2. After receiving the materials, the applicant will conduct a preliminary review of the materials to see if the applicant's conditions meet the requirements of real estate mortgage loans. At this stage, buyers only need to wait for the preliminary results.

3. After passing the preliminary examination, the applicant needs to go to the evaluation institution established by the bank for evaluation. In the evaluation process, the applicant needs to pay a certain evaluation fee, but the evaluation fee standard of each bank is different, generally between three thousandths and five thousandths.

4. The bank will review the evaluation report and the materials of the applicant's price increase. After approval, the bank will contact the applicant to discuss the loan amount, term and interest rate. The applicant can sign a real estate mortgage loan contract after no objection.

5. The applicant goes to the local housing authority to register the property mortgage, and only needs to wait for the bank to lend money after handling it.

Summary: The related issues about real estate mortgage interest rates are introduced here for everyone, hoping to help everyone. Finally, remind friends who are interested in handling real estate mortgage loans that they can choose more banks and choose banks with lower interest rates to handle real estate mortgage loans.

This is the end of the introduction of real estate mortgage interest rate and mortgage interest rate. Did you find the information you needed?