First, the benefits of housing mortgage loans:

1. The mortgage loan has a long term, and the longest loan term is 30 years;

2. The mortgage interest rate is relatively low;

3. The amount of mortgage loan is high, which is 50%-70% of the appraised value of the house, with the highest ceiling of150,000;

4. The approval rate of mortgage loan will be high, because the borrower will mortgage the house to the bank, which will reduce the risk for the bank, so the loan will relax the requirements of the bank in other aspects, and the borrower can get the loan as long as he has a stable job and a good reputation.

5. You can use someone else's house as a mortgage loan, but the owner of the house must know and agree to make a mortgage loan, and the borrower must have good repayment ability;

6. There are many repayment methods, including: interest before principal, equal principal and interest, average principal, three-year interest before principal 17, etc.

Second, the disadvantages of housing mortgage loans:

1. When the borrower makes a mortgage loan, after the appraisal institution evaluates the house value, the borrower has to pay a certain appraisal fee;

2, the property value and nature requirements are relatively high:

Not all houses can be mortgaged. Banks usually stipulate that the life of mortgaged houses is about 25 years, and the housing area is more than 50 square meters. However, you can consult relevant lending institutions for details;

3. Mortgage loan is slow and complicated, which is not conducive to borrowers who are in urgent need of funds. Generally speaking, the borrower can only lend money about one month after applying for a loan;

Mortgage loan brings convenience to many people, but it also has advantages and disadvantages. Borrowers need to measure their own advantages and disadvantages. As long as borrowers meet the requirements of bank loans, banks will lend money.

2. What are the advantages and disadvantages of real estate mortgage loan?

Real estate mortgage refers to the mortgage of real estate under the name of an individual to a bank to obtain a loan. This kind of loan is easier to be approved than credit loan, but everything has two sides. What are the advantages and disadvantages of mortgage? Let me help you analyze it.

First, let's analyze the benefits of real estate mortgage.

1, it's easier to get loans.

For banks, real estate mortgage can reduce their own risks to a certain extent, and banks' requirements in other aspects will also be reduced. As long as individuals have good credit and stable working and repayment ability, they can get bank loans more easily.

2. The loan term is longer and the interest rate is lower.

According to the regulations of the bank, the longest term of mortgage loan is 30 years, but the age of the lender plus the loan term cannot exceed 70 years. Because there is real estate as collateral, the interest rate will be lower than that of credit loans. Under normal circumstances, the benchmark interest rate will rise 10%-30%.

3. The loan amount is high

The maximum amount of mortgage loan is 6.5438+0.5 million yuan, and the approved amount is 50%-70% of the bank's valuation of the mortgaged property. Commercial houses can get loans up to 70% of the appraised value, shops and office buildings can get loans up to 60% of their appraised value, and factories can get loans up to 50% of their appraised value.

Next, let's analyze the disadvantages of real estate mortgage.

1. There is a handling fee for house appraisal.

To apply for real estate mortgage loan, banks need to evaluate the mortgaged real estate. No matter whether the loan is approved or not, they need to pay an evaluation fee, which is generally around 500 yuan.

2. Not all properties can be mortgaged.

Because it involves the realization of houses, banks have higher requirements for mortgaged properties. The service life of general mortgaged real estate should be about 25 years, and the real estate area should not be less than 50 square meters. In addition, most banks do not accept new houses, houses with small property rights, houses without purchase contracts, leased factories, and properties that have not repaid their mortgages within five years as collateral.

3. The risk of confiscation of mortgaged property.

If the bank is unable to repay the loan, in order to recover the loss, the property used for mortgage is likely to be auctioned off to pay off the loan.

Real estate mortgage loan also has advantages and disadvantages. When applying for a loan, everyone should choose a more suitable loan method to reduce their own risks.

3. What are the advantages and disadvantages of real estate mortgage loan?

The biggest advantage of real estate mortgage loan is that the identity and nature of the borrower are not high. You can be an office worker, an individual industrial and commercial household, a business owner or even a freelancer. As long as your collateral is sufficient and the loan purpose is legal and compliant, you can generally realize your loan wish. Secondly, the dosage is high, the service period is long, and the application range is wide; The repayment methods are diversified.

The disadvantage is that the loan speed is slow, there are requirements for the type of housing, not all houses can be mortgaged, and the property is at risk of confiscation.

I hope I can help you.

Four, China Agricultural Bank "housing loan" product loans can not be used for any purpose. ()

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