Generally, the interest rate of mortgage loans from banks with real estate licenses is around 4.35%. According to different houses and lenders, the interest rate of mortgage loans will be different, subject to the actual lending rate.

Real estate license to apply for mortgage loan needs to meet the following conditions:

(1) China citizen with legal status, aged 18-65 years old (inclusive), with full capacity for civil conduct;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There are legal and effective collateral certification materials; (such as real estate license, land certificate, etc. )

(4) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

(5) Being able to provide effective guarantee recognized by the lending bank;

(6) Other conditions stipulated by the lending bank.