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%.
Guangzhou Tianhe automobile mortgage loan interest
I introduction of Guangzhou Tianhe automobile mortgage:
Interest: 65438+100000 per month from 80 yuan, depending on the credit information. If the channel is used, the interest will be lower, and if it is not the interest of funds, the interest will be higher.
If it is not easy, the interest will be 1w, 138 yuan per month, and it can be used as a national car. Difficult diseases are generally cars that financial institutions do not handle.
Two, Guangzhou Tianhe automobile mortgage to meet the following requirements:
Guangzhou Tianhe car loan quota is mainly based on the car price and the owner's credit information, which basically determines whether you can apply for car loan products and quotas. In addition, for some special customers, it is necessary to provide some auxiliary materials, such as real estate license, business license, bills and so on.
How many loans can be obtained is a matter of great concern to every borrower. General car loans can reach 65,438+00% of the car price, but good credit information is needed. In general, it can reach 80%. Therefore, if you want to apply for a large loan, you need a car with a high value. It should be noted here that the loan amount is based on the current evaluation price of the car, which many people will think is based on the original purchase price. This is a wrong cognition. For example, BMW 7 Series 10 originally needed more than 10 million years ago, and now the estimated value is10 million. If the loan amount is discounted at the original purchase price, the loan company will face great risks.
Because vehicles are liquid assets, many industries do not directly promote car loan business in order to reduce the risk of car loan. Even if you need to apply for a car loan, you usually need to apply through a third-party company.
How much is the interest on Guangzhou non-stop loan?
You don't need to take a taxi to apply for a car mortgage. It is the same whether you apply in a bank or a loan company. The interest rate is not very high, but the loan company is definitely higher than the bank's interest rate, but the bank's mortgage procedures may be more complicated.
Guangzhou mortgage loan interest is charged at the monthly management rate of 4%, and the car price is not less than 50,000 yuan, and the car age is not more than 5 years. The interest should be 50000×4%×6= 12000 yuan. The other is calculated at 2.38% of the equal principal and interest.
Guangzhou mortgage loan interest is charged at the monthly management rate of 4%, and the car price is not less than 50,000 yuan, and the car age is not more than 5 years. The interest should be 50000×4%×6= 12000 yuan. The other is calculated at 2.38% of the equal principal and interest.
What is the interest rate of Guangzhou company's real estate mortgage loan?
The loan ratio is 3.25% to 5.85%.
The annualized interest rate of financial institutions is 6%-9%, and the corporate interest rate will probably be around 8%- 12%. It will be decided according to the property attributes, loan amount and customer credit information.
Guangzhou real estate mortgage loan lending time is generally 3-7 days when the information is complete.
If the house has been mortgaged or mortgaged once, it needs to be repaid in advance, then the time for releasing the mortgage should be added. Every bank is different, and the whole process takes 3-4 weeks.
Housing prices in every region of Guangzhou are also uneven, but they are not low in first-tier cities. According to the statistics of Anjuke, in 2022, the city's average price is about 35,000 yuan/square meter, and 565,438+10,000 yuan in some areas is not uncommon.