Shanghai's real estate mortgage loan products are still relatively rich, and the minimum interest can only be applied for 3.85%, but the term is relatively short, only three years.

If it is used for long-term investment, it is suggested that you can apply for a long-term product of about 4.25%, and you can realize the interest of 10 year first, and then realize the principal. In this way, the use cycle of funds will be greatly improved, and only interest needs to be repaid every month, and the repayment pressure is not great.

However, each product has requirements for the life, area and total price of the collateral, and there is no way to give standards. 3.85% can do it for more than 30 years, and 4.25% needs less than 20 years, so it must be matched according to various conditions.

There are also requirements for lenders' credit reporting. Don't think that real estate is mortgaged to banks, and banks don't value credit reporting and running water. This idea is to make interbank loans, not bank loans. What banks want is interest, not asset disposal.

If you want to know which product is most suitable for your own conditions, you can trust me privately and help you match the best product.