normality
Housing in mortgage interest rates is different. If the loan term is less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%. If the loan term is more than 5 years, the annual interest rate of the loan is 5.04%. The loan interest rate fluctuates on the basis of the benchmark interest rate of the central bank. The mortgage interest rates of major banks for real estate rose at the benchmark interest rate 15%, and some joint-stock banks rose at the benchmark interest rate 10%.
2. What is the mortgage interest rate?
Generally, the property ownership certificate is about 4.35% in mortgage interest rates. The mortgage interest rate of the house will be different according to the situation of the house and the lender, and the actual lending interest rate shall prevail. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. Classification of mortgage loan: 1. Personal housing loan 1. Personal housing commercial loan Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct buys an owner-occupied house in a town of this city and applies to the bank with the property house he bought as a guarantee for repayment of the loan. 2. Personal housing provident fund loans Personal housing provident fund loans are entrusted loans issued by policy housing provident fund, which refers to the housing provident fund loans that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as collateral to repay the loans. 3. Personal Housing Portfolio Loan A borrower who meets the requirements for personal housing commercial loans can apply for personal housing provident fund loans from the bank at the same time as paying the housing provident fund, that is, the borrower can apply for personal housing provident fund loans and personal housing commercial loans from the bank with the urban self-occupied housing purchased in this city as collateral. Ii. Enterprise mortgage loan Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration. Enterprise loan term: generally 1-5 years; Enterprise loan amount: generally 500,000 ~ 1 100 million yuan.
3. What is the interest rate of the second mortgage of the house?
If you apply for a second mortgage with a house, the annual interest rate is usually around 5%.
Secondly, the amount of the first mortgage should be subtracted from the second mortgage, and then your second mortgage.
What is the ten-year interest on the mortgage of 4.65438+0.5 million yuan?
Generally, loans of 15 years are not allowed. . You are a mortgage, 10 years later no one will know. What will your house look like and what will the price be? Lending companies or banks will consider risks.