The first is the mortgage loan amount of the apartment. The interest rate of apartment mortgage loan is basically the same as that of residential mortgage loan, but the percentage that apartment can reach is relatively less than that of residential mortgage loan, that is, the loan amount is slightly lower.
Next is the interest rate of apartment mortgage. It is understood that the current minimum mortgage interest rate for apartments can achieve an annualized interest rate of 4.35%, which is the same as the minimum mortgage interest rate for ordinary houses. However, houses can generally borrow 70% of the total price, and apartments can only borrow 40-60% of the total price. According to different apartment types, the loan ratio will be different, generally 40-60%, and only some apartments with 70-year property rights can achieve nearly 70%.
Although the apartment area is not as large as that of commercial housing, it is still worth having. Apartment has the advantage of unlimited purchase and loan, which is suitable for most property buyers to buy, use and invest.
Second, how much is the mortgage interest? How to calculate the mortgage interest?
The short-term benchmark interest rate of mortgage bank loans is 6.65, and the long-term benchmark interest rate is 7.05. However, each bank will float to different degrees according to the information provided by customers. If you are not clear, I suggest you go to the mortgage department in Souqian.com to check the answers to related questions, which are all introduced in detail. In addition, you can apply for a mortgage loan directly on that website, where there are many banks for you to choose from. You can choose what suits you. I hope I can help you.
3. How to calculate 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%.
Take the mortgage deed of real estate as collateral, and get the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the house management right is used until the loan is paid off.
Four. Housing mortgage loan interest
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%. Calculation of housing mortgage interest: the annual interest rate of housing mortgage is divided into two stages: (5 years as the boundary)1; If the term of house mortgage loan is less than 5 years (including 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% (according to the actual situation of the local government). Loan amount: the maximum amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower). What types of houses can't be mortgaged? 1, what are the houses with outstanding loans? 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. There are two situations in which some 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 write 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. Affordable housing under five years According to the current national policy, affordable housing under five years is not allowed to be listed and traded, and it is also impossible to apply for real estate mortgage loans. Housing is generally managed by affordable housing. 4. Small property houses without real estate license. If the residents have not obtained the real estate license of the small property right house, they only have the right to use it, but have 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 debts or realize the mortgage according to the agreement of the parties, resulting in the mortgage being seized according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgage from the date of seizure, unless the mortgagee fails to notify 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. 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%.