Nowadays, mortgage loans are something that many businessmen often need to do, especially real estate. Many people mortgage their properties to banks for the purpose of capital turnover. Now many businessmen are buying properties. Living in a dual-use house, many people are more concerned about the mortgage interest rate for a commercial-residential house. Let us find out together.

The mortgage rate is the ratio of the sum of the mortgage principal and interest to the appraised value of the mortgage. Don’t get it wrong. If you want to borrow 800,000 yuan for a dual-use house, the appraised value of the house is 1 million. Then his mortgage ratio is 80. Therefore, when we need a mortgage loan, it is very necessary for the lender to be able to determine the mortgage rate ourselves.

The calculation formula for commercial and residential mortgage rate is:

Mortgage rate = sum of loan principal and interest ÷ collateral valuation × 100.

Generally, banks should consider the following factors when determining the mortgage rate:

(1) Loan risk. As we all know, loans are risky, and they change positively with the mortgage rate. The higher the risk of the mortgage rate, the greater the risk. The lower the mortgage rate, the smaller the risk. Therefore, lenders reduce the mortgage rate for high-risk loans to reduce risks; for low-risk loans, the mortgage rate can be higher.

(2) Borrower’s creditworthiness. Generally speaking, banks will also have some understanding of the actual situation of mortgage lenders when selecting candidates. The mortgage rate for those who do not have high credit and are not particularly financially strong will be relatively low. On the contrary, the mortgage rate may be higher. Higher.

(3) Type of collateral. Some people choose a house as a mortgage, and some people choose a car as a mortgage, so the mortgage interest rates vary depending on the items they choose to mortgage.

(4) Loan term. The mortgage interest rates for one-year and five-year loans are also different. The longer the mortgage period is, the greater the pressure on the bank, so the mortgage rate is also lower. The shorter the mortgage period, the less risk, and the mortgage rate will be slightly higher.

The interest rate of a home mortgage loan is determined based on the term of your loan:

1. Short-term loan within six months (including six months) 5.10 Six months to one year (One year included) 5.56

2. Medium and long-term loans from one to three years (including three years) 5.60 Three to five years (including five years) 5.96 More than five years 6.14.

If the time you need a loan is not particularly long, you can use the base interest rate. If it takes a long time, the interest rate may rise by about 10%. The specific interest rate still depends on which bank you choose, or You can

find some financial experts to make reasonable choices for you, so as to maximize your interests.

From the above introduction, we have learned about the calculation formula and factors to pay attention to for commercial and residential dual-use housing mortgage interest rates. I believe that you also have a certain understanding of the calculation of mortgage interest rates for commercial and residential dual-use housing. I hope You can have a reference when you need money urgently.