The major banks will have different standards for the interest of mortgage loans with houses, fluctuating on the benchmark interest rate, and also having different interest rates according to the loan term of half a year, half a year to one year.
1. How much interest does it cost to mortgage the house?
Since the central bank cut interest rates in June, 20 15, the current loan interest rate implemented by banks is 4.35% for loans with a term of less than one year (including one year); The loan interest rate for one year to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.90%.
Second, what materials are needed for housing mortgage loan?
1. Property certificate.
2. Identity cards of the obligee and his spouse.
3. Household register of the obligee and spouse.
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).
5. proof of income.
6. If the property owner has minor children, please provide birth certificate.
7. If the property has a bank loan, please provide the original loan contract and the latest bank statement.
8. In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). )
You can use your house to calculate the interest of mortgage loan against the relevant interest rate, and you should also bring the above information when applying for mortgage loan, so as to complete the loan more smoothly.
Second, the housing mortgage calculator 202 1 year
202 1 year real estate mortgage interest rate calculator: the calculation formula of monthly loan interest: monthly loan interest = loan principal x monthly interest rate x one month.
1, short-term loan interest:
Interest on short-term loans is calculated according to the legal loan interest rate on the signing date of the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated in installments.
Interest on short-term loans is settled quarterly, and the 20th of the last month of each quarter is the settlement date. If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date.
The loan settlement interest shall be determined by both parties through consultation. If the loan period cannot be settled on schedule, the interest shall be settled quarterly or monthly according to the loan contract interest rate. After loans overdue, the interest will be settled at the default interest rate.
2, medium and long-term loan interest:
The medium and long-term loan interest rate is one year.
According to the date confirmed in the 202 1 real estate mortgage loan interest rate contract, the interest is calculated according to the legal loan interest rate on the effective date of the loan contract, and the interest rate for the next year is reconfirmed according to the legal loan interest rate on that date.
202 1 real estate mortgage interest rate The interest on medium and long-term loans shall be settled quarterly, and the 20th day at the end of each quarter shall be the interest settlement date. Interest that cannot be paid on schedule during the loan period shall be collected quarterly according to the contract interest rate.
3. If the default interest is not paid within the time limit, the interest shall be calculated according to the default interest rate until it is combined with the principal and interest. If the penalty interest rate is adjusted, the interest shall be calculated by sections.
4. If the loan application is extended, it shall be calculated cumulatively according to the loan term.
5. Interest shall be charged in one lump sum at the discount rate confirmed on the discount date.
6. The borrower repays the loan before the expiration date of the loan contract.
Third, personal property mortgage calculator
Real estate mortgage calculators can now be found on many websites. I often use the mortgage calculator on Souqian.com/lendp-206 shtml, and they have also updated to the latest 20 12, hoping to help you.
Fourth, personal property mortgage calculator
If it is a loan from China Merchants Bank, you can open the webpage calculator on the homepage of China Merchants Bank for trial calculation. After opening the home page of China Merchants Bank, click the middle of the right side of the page to open the page.