Mortgage rate, also known as "advance payment", is the ratio of the sum of principal and interest of mortgage loan to the assessed value of collateral. For example, the housing loan is 800,000 yuan, the housing appraisal is 6,543,800 yuan, and the mortgage rate is 80%.
The calculation formula is: mortgage rate = sum of loan principal and interest ÷ appraised value of collateral × 100%.
Another understanding of the mortgage rate is the ratio of the amount of debt that the mortgagor is willing to bear to the value of the collateral. From this point of view, for banks, when customers apply for mortgages, the higher the mortgage interest rate, the better, 100%. Banks need to control the ratio of loan issuance to collateral value, on the one hand, control the ratio of loan to collateral value, on the other hand, prevent customers from refinancing collateral.
The mortgage rate of bank mortgage loans at home and abroad is generally around 70%, that is, 70% of housing mortgage loans. Determining the mortgage rate mainly depends on the borrower's credit status, the type of collateral, the accuracy of collateral valuation, the loan period and other factors.
According to the scope of mortgage, the mortgage rate of collateral is generally securities (excluding stocks), current assets, real estate, other fixed assets and intangible assets in turn. The mortgage rate of national debt is the highest, reaching about 90%.
How much can a mortgage loan be?
Residential housing mortgage loans can reach up to 70%. When you go to the bank to apply for a loan, the bank will first appoint an appraisal company for your appraisal, and the appraisal will issue a professional appraisal report, that is, calculate the appraisal price of your house, and then the bank will comprehensively give you the loan amount according to the appraisal price and your personal situation.
Take housing as an example. If your credit information is fine, your salary level is high, and your repayment ability is ok, basically 70% is fine. For apartments, it is usually less.
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Amount of housing mortgage loan:
1. The mortgage rate of commercial housing can reach up to 70%.
2. The mortgage rate of industrial plants can reach up to 50%.
3. The mortgage rate of office buildings and shops can reach up to 60%.
4. Up to 30 years, mortgage includes shops, office buildings, houses, villas, factories, warehouses, etc.
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Time required for real estate mortgage loan:
1. Prepare the materials and sign the contract 1 working day.
2, household survey, evaluation about 5 working days.
3. It takes about 3-5 working days for bank approval.
4. The mortgage registration time is 1 week.
5, the bank loan time is about 3 days.
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How to calculate the static mortgage rate and dynamic mortgage rate of real estate mortgage loan?
The calculation formula is: mortgage rate = sum of loan principal and interest ÷ appraised value of collateral × 100%.
The mortgage rate of bank mortgage loans at home and abroad is generally around 70%, that is, 70% of housing mortgage loans. Determining the mortgage rate mainly depends on the borrower's credit status, the type of collateral, the accuracy of collateral valuation, the loan period and other factors. Collateral designated according to the above mortgage setting range.
The order of mortgage rate is generally: marketable securities (excluding stocks), current assets, real estate, other fixed assets and intangible assets. The mortgage rate of national debt is the highest, reaching about 90%.
Extended data:
Compared with other loans, real estate mortgage loans have the following characteristics:
1. Financing loan secured by real estate. Real estate mortgage loan is a loan obtained with real estate or real estate as collateral. Compared with credit loans, real estate rights participate in lending activities between mortgagor and mortgagee, which reduces the loan risk of creditors. The loan amount is determined by the value of collateral and the risk degree of loan projects.
The whole lending activity is based on the existence of real estate collateral. But as far as borrowers and lenders are concerned, the purpose is not to obtain collateral, but to finance on the premise of collateral. In order to obtain funds to mortgage the real estate, the borrower requires the collateral to mortgage to ensure the safety of the loan.
2. The parties have a dual relationship. There are not only creditor-debtor relationships between borrowers and lenders, but also mortgage and pledge relationships. The borrower is both the debtor and the grantor; Lenders are both creditors and mortgagees.