In fact, mortgage interest is relatively high. Generally speaking, the interest of mortgage loan can reach about 4%~8%, which is also closely related to the change of market interest rate.

In fact, the mortgage that we contact most in our life is the mortgage interest rate in the real estate market. In fact, many people don't spend all their money on buying a house, on the one hand, because of the lack of funds, on the other hand, in order to cope with some inflation in this society.

Many families will go to mortgage to buy a house.

In fact, many families will borrow money in this way, because the real estate market is very expensive. At present, it takes at least 2 million to buy a house in the city. More than 90% of families can't afford this much money, so they can only get other funds through mortgage loans.

Mortgage loan is very important to the development of China's real estate market.

Mortgage loan has played an important role in promoting the development of China's real estate market. It is precisely because of this form of loan that our country has such a huge real estate market at present. Many ordinary people have participated in it, which will also promote the future real estate market in our country.

The essence of mortgage loan is also loan.

Mortgage loan is actually a kind of loan. Since it is a loan, it satisfies some characteristics of the loan. Mortgage loans rely on their own property as collateral products to a certain extent, and these collateral cannot be resold at will.

In today's society, in fact, many people don't have much money to use when buying a house, so they can only relieve their pressure through loans. One of the biggest advantages of mortgage interest rate is that you can mortgage your own property, which makes it easier to get funds.

How much is the mortgage 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%.

Interest calculation of housing mortgage loan:

The annual interest rate of housing mortgage loan is divided into two stages: (5 years as the boundary)

1. If the mortgage loan term 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. The house with outstanding loan? produce

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. Some public houses have been purchased.

There are two situations in which the 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 contain 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, less than five years of affordable housing

According to the current national policy, affordable housing less than five years old is not allowed to be listed and traded, nor can it apply for real estate mortgage loans. Housing is generally managed by affordable housing.

4. Small property houses without real estate licenses.

Residents who have not obtained the ownership certificate of small property houses have only the right to use the houses, but 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 debt or realize the mortgage according to the agreement of the parties, resulting in the mortgaged property being seized according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgaged property 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.

Brief 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%.

Is the interest rate high in automobile mortgage?

The interest rate in automobile mortgage is not very high, as follows: 1. The general auto loan interest rate is slightly higher than the bank benchmark interest rate. For example, at present, the auto loan interest rate of ordinary banks is generally higher than the bank benchmark interest rate by 10%. Before the interest rate adjustment, the central bank's benchmark annual interest rates were 1 5.3 1% and 5.40% in 2-3 years. 2. The car loan interest rate is 65438+5.84 1% for 0 years and 5.94% for 2-3 years. After interest rate adjustment, the central bank's benchmark annual interest rate is 65438+5.56% for 0 years and 5.60% for 2-3 years; 3. The car loan interest rate is 65438+6. 1 16% for 0 years and 6.16% for 2-3 years; 4. Banks generally have requirements for the age, mileage and vehicle valuation of loan vehicles. The threshold of financial institutions such as P2P is low, but financial institutions will require vehicles to be registered in the name of lenders, with licenses and no guarantees.