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 mortgage interest rate?
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%.
What's the mortgage interest rate?
Nowadays, many property buyers will choose real estate mortgage to buy a house when buying a house. After all, the current housing prices are very high, and families who can pay the housing prices in one lump sum do not understand. Therefore, more and more families choose real estate mortgage to buy a house. What's the interest rate on the mortgage loan?
1. What's the interest rate of the mortgage loan?
As far as the current situation is concerned, the central bank's one-year mortgage interest rate is 4.35%, the one-year to five-year mortgage interest rate is 4.75%, and the mortgage interest rate over five years is 4.90%, but the specific amount will depend on the applicant's personal qualifications. If the applicant's personal qualifications are not good, the bank will raise the loan interest rate to reduce the credit risk.
2. What are the procedures for real estate mortgage loan?
1. To apply for real estate mortgage loan, you must first write an application form and submit the required materials to the applicant, such as personal and spouse's household registration book, ID card, marriage certificate, loan purpose, etc.
2. After receiving the materials, the applicant will conduct a preliminary review of the materials to see if the applicant's conditions meet the requirements of real estate mortgage loans. At this stage, buyers only need to wait for the preliminary results.
3. After passing the preliminary examination, the applicant needs to go to the evaluation institution established by the bank for evaluation. In the evaluation process, the applicant needs to pay a certain evaluation fee, but the evaluation fee standard of each bank is different, generally between three thousandths and five thousandths.
4. The bank will review the evaluation report and the materials of the applicant's price increase. After approval, the bank will contact the applicant to discuss the loan amount, term and interest rate. The applicant can sign a real estate mortgage loan contract after no objection.
5. The applicant goes to the local housing authority to register the property mortgage, and only needs to wait for the bank to lend money after handling it.
Summary: The related issues about real estate mortgage interest rates are introduced here for everyone, hoping to help everyone. Finally, remind friends who are interested in handling real estate mortgage loans that they can choose more banks and choose banks with lower interest rates to handle real estate mortgage loans.
This is the end of the introduction of mortgage interest rate and how to calculate it. I wonder if you found the information you need from it?