How many years can the real estate license mortgage loan be loaned depends on the situation:

1. Where the mortgaged property is used for business:

(1) quota: for business purposes, you can generally apply for 70% of the real estate appraisal value at most;

(2) Interest rate: According to the bank policy and the qualifications of borrowers, the interest rate will rise by more than 20% on the basis of the benchmark interest rate;

(3) Duration: generally not more than five years.

2. Mortgaged real estate for personal consumption:

(4) Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate will generally be implemented or it will rise by 65,438+00%;

(5) Duration: generally within ten years. Theoretically, the longest loan period of real estate mortgage loan is 30 years, but the sum of the borrower's age and loan period shall not exceed 70 years.

legal ground

Article 37 of the Law of People's Republic of China (PRC) Commercial Bank shall conclude a written contract with the borrower. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

People's Republic of China (PRC) Commercial Bank Law Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.

Second, how many years can I borrow with real estate license as mortgage loan?

It depends on the purpose of your loan. The loan period is different for different purposes.

If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. Information such as the execution interest rate, amount, loan term and repayment method of your specific loan application need to be determined after the handling bank specifically examines your comprehensive information after you apply for a loan.

Please call the customer service of China Merchants Bank, select 3 customer services -3-8, and enter the manual service to provide the loan purpose and city details.

3. How many years can I use the real estate license to mortgage the loan?

Can be completed for up to 30 years.

But banks generally don't do it for that long, and they have to decide whether to lend and how long to lend according to the age of the house. It is difficult to do real estate for more than ten years. The loan company can achieve 15 years or so. The older the property, the shorter the loan time. The benchmark interest rate is 5.3 1 per year, 5.94 for three years, 6 to 30 years. The loan was borrowed again, but considering the age of the house after repayment, it may not be possible to handle it.

Mortgage is usually 10 years, 15 years, 20 years, up to 25 years and 30 years, which is very rare. The mortgage amount is about 0%, and the maximum 70% is not given. Public construction accounts for about 50%. The mortgage time of public construction is short, generally three years. If there is no personal property mortgage, you can find a reliable loan. The mortgage interest rate of the third party mortgage will be lower than the mortgage interest rate of the personal property, and the mortgagor and the borrower need to sign in person. The mortgagor and the borrower shall not be over 60 years old. Of course, it is generally not particularly easy to borrow after 50. At the same time, income and credit are also considered by banks.

Mortgage loan of real estate license refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for its loan and assumes joint liability. It is linked through the mortgage contract for buying a house.

Mortgage loan of real estate license actually refers to the mortgage of customers' existing commercial housing, which is different from second-hand property loan and first-hand property loan. The customer already owns the house and will own it soon. Mortgage housing loans need to have clear loan purposes and shall not be used for purposes explicitly prohibited by laws and regulations. For example, real estate speculation is not allowed. It is required that the use of mortgage loans should be earmarked and subject to the supervision of lending institutions and regulatory agencies. If you find a loan,

Credit terms

First, the actual age of a natural person with full capacity for civil conduct when the loan expires is generally not more than 65 years old; Secondly, there are permanent accounts and permanent accounts; Have a suitable job and a stable source of income, and have a real estate mortgage loan that can repay the principal and interest of the loan on time and is recognized by the lender; Fourth, housing loans and guarantees, and are willing to bear relevant legal responsibilities.

hostage

The property right of the house is clear, which meets the listing and trading conditions stipulated by the state and can enter the real estate market without other mortgages; Housing age (calculated from the date of completion of the house) loan period shall not exceed 40 years; Mortgaged houses are not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral. Where other people's property is used as collateral, the mortgagor shall issue a written commitment to allow the borrower to apply for loans with other property as collateral. * * * Some people sign the materials submitted by the lender:

The materials to be provided by the borrower include: ID card and household registration book; Personal income certificate (official seal); Copy of the business license of the unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; Original and photocopy of the house ownership certificate and the house purchase agreement; The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use.

4. How many years can I borrow a personal mortgage loan with a loan of 200,000 yuan?

200,000 yuan loan, personal mortgage loan, depending on age, the longest is 30 years, and the minimum is 5 years.