1, I have bought the house in full, paid the house price, and can get a loan immediately.
2. At present, the latest benchmark interest rate implemented by banks is: the loan interest rate for 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 4.9%. As for the real interest rate of individual housing mortgage loan, banks will generally determine it according to the borrower's comprehensive qualifications and comprehensive housing situation.
Second, what is the mortgage interest rate of the house?
Legal subjectivity: according to the central bank's benchmark interest rate, the mortgage interest rate of the whole house is 4.35% in June-1 year (including 1 year), 4.75% in 1-5 years (including 5 years) and 4.90% in 5-30 years (including 30 years). The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China, and the interest rate determined by the People's Bank of China is implemented after being approved by the State Council. Housing mortgage loan conditions: 1. The house used for mortgage and the lending institution must be in the same city. 2. The property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration is handled according to law; 3, with strong liquidity, the real estate structure is intact, water, electricity, environmental protection transportation, urban construction, property management and other supporting facilities and services are complete, there are no problems and problems, which are not within the scope of government planning; 4. The appraised property whose present value is less than or equal to 654.38 million yuan is not mortgaged; 5. In principle, mortgage loans will not be accepted for properties with a house age (referring to the completion period of the property) of more than 20 years (inclusive); 6. Collateral must be appraised by a professional appraisal institution recognized by the bank. 7. Other conditions stipulated by the bank.
Legal Objectivity: Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases: If the interest rate agreed by the borrower and the lender does not exceed 24% per annum, the people shall support the lender to ask the borrower to pay interest at the agreed interest rate. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.
3. What is the current interest rate of mortgage loan?
If you are going to apply for a personal housing loan in our bank, the actual loan interest rate you can apply for is comprehensively priced by the handling bank in combination with the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval.
If you want to know the current benchmark annual interest rate of loans, you can go to our home page and click on the "loan interest rate" on the right.
Fourth, how to buy a second-hand house when the full mortgage is made?
When buying a second-hand house, some people will choose mortgage, but there is another situation. I originally planned to buy a house in full, but later I had to go to mortgage to buy a house because I had something to spend. So how can I buy a second-hand house in full mortgage? What should I pay attention to when buying a second-hand house in full?
First, how to use second-hand houses?
1, find a new bank, and find one that can give the mortgage a more favorable interest rate.
2. Bring all the application materials, including the original copy of the real estate license, the original ID card, proof of income, and repayment records (usually a copy of the passbook for monthly deduction from the bank), and please fill out the form after receiving it.
3. Credit inquiry. After the application, if you want to "re-lend", you must authorize the receiving bank to inquire about the "personal credit file".
4. Records should be good. If there is no malicious loan default record in the applicant's personal credit record, the accepting bank will generally accept it within 7 working days and notify the applicant by telephone; If there is a loan default or credit explosion in the personal credit record, it will refuse to accept "re-mortgage".
5. Repayment in advance, after obtaining the consent of the receiving bank, apply to the original loan issuing bank for full repayment in advance. Because many banks require to apply for "full repayment in advance" one week in advance, this process takes about half a month.
6. Re-mortgage. Take the real estate license, the proof of full repayment (issued by the original loan bank) and the personal mortgage loan contract signed with the receiving bank, and go to the mortgage registration department where each house is located (generally go through the new mortgage formalities at the house exchange office).
7. Submit the formalities to the bank, and hand over the real estate license, mortgage cancellation procedures and mortgage procedures to the receiving bank.