How to calculate the mortgage rate formula
The mortgage rate of a mortgage loan depends on or is based on the appraised price of the mortgage. If the loan is mortgaged by real estate, the mortgage rate shall not exceed 70%; if the loan is mortgaged by means of transportation, general machinery, equipment and tools, the mortgage rate shall not exceed 60%; by special machinery, equipment and tools, intangible assets (including land use rights) If it is mortgaged with other properties, the maximum mortgage rate shall not exceed 50%.
Loan refers to the general term for loans, discounts, overdrafts and other lending funds. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Mortgage loan, also known as "mortgage lending". Refers to a loan method used by banks in some countries. The borrower is required to provide certain collateral as a guarantee for the loan to ensure the repayment of the loan when it is due. Collateral is generally items that are easy to preserve, not easy to lose, and easy to sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan. The balance of the loan paid off by the auction proceeds is returned to the borrower. If the auction proceeds are insufficient to pay off the loan, the borrower will continue to pay off the loan. Applying for mortgage consumer business has become an inevitable choice for some consumers. Lin Qian, vice president of Lianjia Real Estate, reminds consumers that in addition to ordinary mortgage consumer loans, they can choose different special types of loan products based on their specific personal circumstances: Monthly repayment Those with weak ability: Suitable for replacement mortgage loan.
Replacement mortgage loans can extend the loan term to 30 years, which is different from the 20-year term of ordinary mortgage consumer loans. It shares the monthly repayment pressure and is suitable for young people with weak monthly repayment capabilities. Those with a high repayment amount of borrowed funds: suitable for net worth loans. Some home buyers temporarily borrow more money to raise funds to buy a house, so the repayment amount is also higher. When making mortgage consumption, they require a higher loan amount to be able to repay the temporary loan. This situation is suitable for choosing an equity loan. The loan percentage of this product can be up to 80%, and the mortgage property requires less than 90 square meters within five years. Those with unstable monthly repayment ability: suitable for revolving loans. Since consumer mortgage loans are more likely to be reviewed against the property itself, revolving loans are a better choice for some people whose monthly income and loan repayment ability are unstable. That is, by mortgaging your home to a bank, you can obtain a certain loan amount. It can be withdrawn in installments during the mortgage period of the property and used repeatedly. In this way, you can ensure that you have a certain amount of "surplus money" in your hands.
How to calculate the loan mortgage rate
Calculation of the loan mortgage rate: The loan mortgage rate is the ratio of the sum of the mortgage principal and interest to the appraised value of the collateral. For example, if the house loan is 800,000 yuan and the house appraisal is 1 million yuan, the mortgage rate is 80%. Reasonably determining the mortgage rate is an important part of mortgage loan management. The calculation formula is: the mortgage rate is equal to the sum of the loan principal and interest divided by the collateral valuation multiplied by 100%. Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."
How to calculate the mortgage rate
The mortgage rate of a mortgage loan depends on two aspects: the assessed price of the collateral and the assessed price based on the collateral. Generally speaking, if the loan is mortgaged with real estate, the mortgage rate shall not exceed 70%; if the loan is mortgaged with transportation vehicles, general machinery and equipment and tools, the mortgage rate shall not exceed 60%; with special machinery, equipment and tools, intangible assets (including If land use rights) and other properties are mortgaged, the maximum mortgage rate shall not exceed 50%. The order of mortgage rates is generally: securities (excluding stocks), current assets, real estate, other fixed assets and intangible assets. China's treasury bills have the highest mortgage rate, reaching about 90%.
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1. When applying for a mortgage loan at a bank, borrowers are most worried about two issues. One is whether the loan can be successfully processed, and the other is how much money can be borrowed. Mortgage loans are much easier to apply for than credit loans. The actual amount of the loan depends on the actual value of the collateral at the time and the bank's future expectations for the collateral. Generally speaking, the actual amount will be less than the market value of the collateral by a ratio of That is the mortgage rate.
2. Article 394 of the Civil Code__ If the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor in order to guarantee the performance of the debt, the debtor shall not perform the due debt. Or if the mortgage rights are realized as agreed by the parties, the creditor shall have the right to receive priority payment for the property. The debtor or third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property providing guarantee is the mortgaged property.
3. The main basis for the mortgage rate is:
① The suitability of the mortgage should be strong, and the liquidity of the mortgage should be judged based on the suitability. If the liquidity is relatively poor, the mortgage rate should be Lower appropriately. ② Changes in the value of collateral can be viewed according to the following methods
③ Physical depreciation, depreciation caused by wear and tear and natural loss.
④Functional depreciation, depreciation caused by technological backwardness.
⑤ Economic depreciation and appreciation, depreciation and appreciation caused by changes in the external environment. Banks should analyze the liquidity of the collateral based on its assessed present value, fully consider the changing trends in the value of the collateral, and scientifically determine the mortgage rate.
This ends the introduction about equipment loan mortgage rates and whether equipment loan mortgage rates are high. I wonder if you found the information you need?