I believe everyone knows that second-hand housing mortgage is one of the common loan methods. Then, some people became suspicious. How much can I borrow to apply for a second-hand house mortgage? What is the amount of second-hand housing mortgage loan?

The second-hand housing loan period shall not exceed 30 years at the longest; The loan amount is 70% of the appraised value of the house; The expected annualized interest rate of the loan shall be implemented according to the expected annualized interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, and the expected annualized interest rate in the base year is 5.94%.

Usually, the older the house, the lower the loan amount.

When banks provide second-hand housing mortgage loans, they usually set stricter conditions for the housing itself and the lenders, and the age of the house is one of the important factors to be considered. According to bankers, the age of second-hand housing has become the audit standard for many banks to issue loans. Generally speaking, it is more difficult to choose a loan bank for real estate with a room age of more than 20 years, because the longer the house is, the smaller the room for appreciation and preservation, the lower the proportion of loans approved, and even the loans may not be approved.

In addition to the age of the house, there are other factors that will affect the loan application. The location, unit price and area of the house are the main factors for banks to approve loans. For houses with remote location, low unit price and small area, the loan ratio is generally low, and loans may not even be issued.

Like the age of the lender, the age of the house also affects the loan term. According to different types of real estate, the maximum loan ratio also has an impact. For example, the proportion of personal commercial housing mortgage loans is the highest, at 70%. The proportion of mortgage loans for office buildings and shops is only 60%; The highest proportion of factory mortgage loans is only 50%. The term of new house mortgage loan shall not exceed 30 years, and the term of second-hand house mortgage loan shall not exceed 20 years.

What's the interest rate for commercial loans?

At present, the annual interest rate of bank loans is as follows: \ 4.85% within half a year (including half a year) \ 4.85% from half a year to one year (including 1 year) \ 5.25% from one to three years (including three years) \ 5.25% from three to five years (including five years) \ more than five years. The loan is 65,438,000,000 yuan, and the mortgage is 20 years and 30 years. The total amount of monthly payment and interest payment is as follows: \ \ 20 years of equal principal and interest repayment method: \ total loan amount is 65,438+000,000.00 yuan \ repayment months are 240 months \ monthly repayment amount is 682.25 yuan \ total interest payment amount is 63,000.00 yuan. The total loan amount is 100000.00 yuan, the repayment period is 360 months, the monthly repayment amount is 56 1.53 yuan, and the total interest payment is 102 1565438.

What is the down payment and loan interest rate of the shop?

Store down payment 50%. The term of mortgage loan for individual shops provided by banks shall not exceed 10 years at the longest. But some commercial project developers can help you pay a part, such as 30% down payment, and then another 20% developers can help you pay first, as long as you pay back the money within the specified time.

If you buy a first-hand shop, you can borrow up to 50% of the contract price; If it is a second-hand shop, you can borrow up to 50% of the evaluation price. This evaluation price is not necessarily the amount of your actual transaction, but depends on the amount of the loan you need and your ability to bear the relevant taxes.

Shops are real estate specially used for business activities, and are places where operators provide commodity transactions, services and experiences to consumers. Broadly speaking, the concept of shops includes not only retail business, but also real estate for entertainment, catering and tourism, profitable exhibition halls, sports venues, bathrooms, and commercial premises with physical buildings such as banks and securities.

Source: Baidu Encyclopedia Store

What's the difference between a shop loan and a housing loan?

The difference between shop loans and housing loans;

1, residential loans include commercial loans, and now residential loans are commercial loans and provident fund loans;

2. In terms of loan time, the store requires the house to be pre-sold or capped after the main body is completed and accepted;

3. The down payment ratio is 30% lower for houses and 50% lower for shops; Loan period: 0/0 year for the store and 30 years for the house;

4. In terms of loan interest rate, shops generally go up 10%, and houses generally go down15%; If the house is mortgaged, it can be mortgaged for decades: the loan period is 30% lower for the house and 50% lower for the shops, and then the rest is mortgaged in the bank. Store 65,438+00 years, house 30 years, loan interest rate.

Extended data

(1) Personal store mortgage refers to the short-term loan business that banks provide to borrowers to meet their production, operation, investment or consumption needs with their own or legally owned business premises as collateral.

(2) Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans.

Think about the shops mortgaged in Chengdu, how much can the mortgage loan amount be?

1. How much can a store mortgage loan in Chengdu borrow?

At present, the mortgage loan of shops in Chengdu can reach about 60% of the appraised price of shops, that is, the appraised price of shops is 6,543,800+0.6 million, so the mortgage amount is about 960,000. The level of store mortgage depends on the lender's credit history, income, collateral value, etc. Store loans can be loaned for up to 30 years. Friends who want to know the mortgage amount of their stores can call the customer service hotline for free consultation.

2. What is the mortgage interest rates of the shops in Chengdu?

The loan interest rate of shops in Chengdu is about 10% higher than the benchmark interest rate. The specific interest rates are as follows:

1, there are two short-term loans: the loan interest rate within six months including six months is 6.16%; The loan interest rate for more than six months and less than one year is 6.6%;

2. There are three types in the medium and long term: 1~3 years loan interest rate of 6.76%; The loan interest rate for 3-5 years is 7.04%; The loan interest rate for more than five years is 7.2 1%.

As can be seen from the above data, the shorter the loan time, the lower the interest rate, and the interest rate of the loan is higher than the benchmark interest rate, so you must plan your repayment time reasonably before lending.

3. What are the application conditions for mortgage loans of shops in Chengdu?

1. The borrower is between 18-60 years old and has full capacity for civil conduct;

2. Can provide valid identification and have a fixed residence;

3. Have the ownership of the mortgaged store;

4. Have a good credit record;

Can Chengdu mortgage house be mortgaged? How to borrow it?

Mortgage should be a common loan method around us, so how many people know about mortgage housing mortgage? Probably many people don't know that mortgaged houses can also be used to mortgage loans. In fact, mortgage houses can be used for emergencies in daily life except for a little less than normal mortgage loans.

5. Have a certain source of income and the ability to repay the principal and interest of the loan;

6. The mortgaged shops have clear property rights and can be listed and traded normally;

7. Other conditions required by the bank.

4. What information do you need for mortgage loans of shops in Chengdu?

1. Original and photocopy of ID card and household registration book of the lender and spouse;

2. Proof and copy of the lender's marital status;

3. Copies of family property, automobile ownership certificate and other assets;

4. Statements of personal main bank accounts in recent 6 to 12 months;

5, work unit income certificate;

6. Evaluation report;

7. Other materials required by the lending institution.

5. Where can I apply for a store mortgage loan in Chengdu?

Chengdu friends who want to easily apply for mortgage loans for shops can go to Zhongtuike for consultation. We are a formal loan company, and you are welcome to make a field trip. The business process in our company is simple, the approval speed is fast, and the loan time is short. Shops can easily get mortgage loans, and there are more loan benefits waiting for you to unlock them. Friends who need store mortgage loans can call the customer service hotline for free consultation.

How much can a second-hand house mortgage loan in Chengdu borrow?

Real estate mortgage loan is the first choice for many people to solve the problem of large amount of money. Compared with credit loans, the threshold of real estate mortgage loans is lower and the amount is higher. Everyone knows about real estate mortgage, so do you know that second-hand houses can also be mortgaged? In fact, second-hand housing mortgage is also a solution.

So much for the introduction of loan interest rate of second-hand shops.