Coordinate Shanghai

Shanghai's real estate mortgage loan products are still relatively rich, and the minimum interest can only be applied for 3.85%, but the term is relatively short, only three years.

If it is used for long-term investment, it is suggested that you can apply for a long-term product of about 4.25%, and you can realize the interest of 10 year first, and then realize the principal. In this way, the use cycle of funds will be greatly improved, and only interest needs to be repaid every month, and the repayment pressure is not great.

However, each product has requirements for the life, area and total price of the collateral, and there is no way to give standards. 3.85% can do it for more than 30 years, and 4.25% needs less than 20 years, so it must be matched according to various conditions.

There are also requirements for lenders' credit reporting. Don't think that real estate is mortgaged to banks, and banks don't value credit reporting and running water. This idea is to make interbank loans, not bank loans. What banks want is interest, not asset disposal.

If you want to know which product is most suitable for your own conditions, you can trust me privately and help you match the best product.

What's the mortgage interest rate?

Every place may be a little different because of the land price. Take Beijing as an example. The mortgage interest rate in Beijing is about 3.65%-6%.

First, the whole house mortgage loan control project

Option 1 (low interest is preferred)

Introduction: If there is a full house property in the urban and suburban areas of Beijing, it can be mortgaged with different loans, and relatives can borrow it, and there is no penalty for prepayment.

Maximum amount: 20 million yuan

Loan period: up to 20 years.

Repayment method: equal principal and interest

Annualized interest rate: 4.35%-4.75%

Mortgage loan ratio: 60-70%

Scheme (low threshold)

Brief introduction: The mortgage business loan in Beijing has a low threshold, the loan approval rate is 65,438+000%, and the loan in Gong Hu is safe, flexible to use and repayable as you borrow.

Maximum limit: 1000

Loan period: up to 20 years.

Repayment method: equal principal and interest (20 years), interest first and principal later (10 year).

Annual interest rate: 6.09%

Mortgage loan ratio: 70%

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Mortgage interest rate refers to the calculation method of interest generated by borrowers applying for loans from banks with their own or the property of a third party as collateral, which usually rises on the basis of the benchmark interest rate.