Generally, the property ownership certificate is about 4.35% in mortgage interest rates. The mortgage interest rate of the house will be different according to the situation of the house and the lender, and the actual lending interest rate shall prevail. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Classification of mortgage loans:

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

Second, the enterprise mortgage loan

Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.

What is the interest rate of bank mortgage loan?

The interest rate of mortgage loan is different in different regions. The national standard interest rate for bank loans (20 1 8) is 4.35% for loans from 0 to 6 months (including 6 months), 4.35% for loans from 6 months to 1 year (including 3 years) and 4.75% for loans from1to 3 years (including 3 years).

The loan interest for three to five years (including five years) is 4.75%, and the loan interest for five to thirty years (including thirty years) is 4.90%. On this basis, banks in various regions will float down or up appropriately according to local policies and economic conditions.

Two ways to repay the loan:

1. average capital repayment method: the average principal repayment method is adopted. During the whole repayment process, the principal repaid in each installment is fixed. With more and more principal returned to the bank, the corresponding interest to be repaid in each period is less and less. Therefore, the repayment pressure of the average capital repayment method becomes smaller and smaller, and the average capital repayment method is suitable for people who want to repay in advance or have less economic pressure in the early stage.

2. Matching principal and interest repayment method: In the process of repayment, the principal of each installment is decreasing, but the interest is increasing, so the repayment amount of each installment in matching principal and interest repayment method is the same. Because the repayment time of principal in matching principal and interest repayment method is longer than that in average capital repayment method, the interest of matching principal and interest repayment method is much higher than that of the general principal repayment method with the same amount and number of installments.

How much is the interest on the mortgage?

The latest mortgage interest rate in 2022: Since the central bank cut interest rates in March 2020, the benchmark interest rate currently implemented by banks is:

The interest rate for one year and below is 3.85%;

The interest rate for one year to five years (including five years) is 4.65%;

For more than five years, it is 4.65%

In 2022, banks are also implementing benchmark interest rates.

housing mortgage loan

Housing mortgage interest rates are classified by use, and the mainstream ones are roughly divided into two categories:

1, mortgaged real estate business:

The interest rate is 0.5% lower than the benchmark interest rate according to the policies of major banks and the specific situation of borrowers.

2. Personal consumption for the purpose of mortgaged property:

When the mortgaged property is used for personal consumption, the benchmark interest rate will generally rise 10%~30%.

Take the benchmark interest rate 202 1 released by the central bank as an example.

The interest rate for one year and below is 3.85%;

The interest rate for one year to five years (including five years) is 4.65%;

More than five years is 4.65%.

If the property mortgaged by the lender is used for business, the loan interest rate will fluctuate by 0.5% on the benchmark interest rate according to the policies of major banks and the specific situation of the borrower.

If the lender uses the mortgaged property for personal consumption, the loan interest rate will generally rise 10%~30% on the basis of the benchmark interest rate.

What's the interest rate for mortgage bank loans?

Buying a house by loan is a common choice now, mainly because the house price is on the high side, and not everyone can pay the full amount in one lump sum, so buying a house by loan becomes an inevitable choice. Buying a house by loan is generally to mortgage the real estate license to the bank, and the loan bank charges a certain interest. The applicant repays a certain amount of principal and interest every month. What is the interest rate of mortgage loan to the bank? Let's take a look with Bian Xiao.

1, Bank of China

The interest rate of mortgage bank loans is usually determined according to the length of the loan period. The housing loan interest rate of China Bank is 4.60% for less than one year, 5.00% for one to five years, and 5. 15% for more than five years. The interest rate of China Bank is adjusted according to the People's Bank of China.

2. Industrial and Commercial Bank of China

The housing loan interest rate of China Industrial and Commercial Bank is raised by 10% based on the benchmark interest rate, that is, the interest rate is 4.86% within six months, 5.3 1% within six months, 5.4% within 1 to three years, and 5.76% within three to five years and above.

3. Agricultural Bank of China

The housing loan interest rate of ABC is adjusted by 5%-20% on the basis of the benchmark interest rate, so the loan interest rate is about 4.35% for one year, 4.5% for one to three years, 4.75% for three to five years and 4.9% for five years or more.

4. China Construction Bank

The housing loan interest rate of China Construction Bank is 20% higher than the benchmark interest rate. The loan interest rate is 6. 1% for six months, 6.56% for six months to 1 year, 6.65% for three years, 6.9% for three to five years, and 7.05% for more than five years.