Real estate mortgage is divided into business purposes, personal consumption purposes and house purchase purposes according to loan purposes, and mortgage interest rates are different.

There are often no fixed indicators for the loan cycle of real estate mortgage loans. 5- 10 years, or even 30-50 years, it all depends on the wishes of the borrower. However, in terms of loan amount, banks or lending institutions will have certain restrictions, which are generally determined according to the market value of mortgaged real estate.

The benchmark interest rate for one-year loans is 4.35%; The benchmark interest rate for one-year to three-year loans is 4.75%; The benchmark interest rate for three-year to five-year loans is 4.75%; The benchmark interest rate for loans over five years is 4.90%. But generally speaking, commercial banks will float a certain percentage on the basis of the benchmark interest rate, which is roughly in the range of 10%-30%. Therefore, the interest rate of bank real estate mortgage loan is generally the floating ratio of the benchmark interest rate.

Mortgaged real estate is used for business (for business purposes, you can generally apply for up to 70% of the real estate appraisal value; The loan interest rate rises by more than 20% on the basis of the benchmark interest rate according to the bank policy and the borrower's qualification; The fixed number of years is generally less than five years. )

The mortgaged property is used for personal consumption (when the mortgaged property is used for personal consumption, the loan interest rate is generally subject to the benchmark interest rate or floating10%; The loan period is generally within ten years. )

Mortgaged property is used to purchase commercial housing (mortgage consumer loan is used to purchase housing, and the loan interest rate is raised from the original benchmark interest rate to 1. 1 times; The loan period has also been shortened, from the original maximum of 20 years to 10 years. )

How much is the mortgage interest of real estate license?

Generally, the interest rate of mortgage loans from banks with real estate licenses is around 4.35%. According to different houses and lenders, the interest rate of mortgage loans will be different, subject to the actual lending rate.

Real estate license to apply for mortgage loan needs to meet the following conditions:

(1) China citizen with legal status, aged 18-65 years old (inclusive), with full capacity for civil conduct;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There are legal and effective collateral certification materials; (such as real estate license, land certificate, etc. )

(4) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

(5) Being able to provide effective guarantee recognized by the lending bank;

(6) Other conditions stipulated by the lending bank.

Generally, the interest rate of mortgage loans from banks with real estate licenses is around 4.35%. According to different houses and lenders, the interest rate of mortgage loans will be different, subject to the actual lending rate.

Real estate license to apply for mortgage loan needs to meet the following conditions:

(1) China citizen with legal status, aged 18-65 years old (inclusive), with full capacity for civil conduct;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There are legal and effective collateral certification materials; (such as real estate license, land certificate, etc. )

(4) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

(5) Being able to provide effective guarantee recognized by the lending bank;

(6) Other conditions stipulated by the lending bank.

How much is the interest of mortgage loan with real estate license?

① 6. 10% short-term loans for more than six months (inclusive);

② 6.56% from half a year to one year (inclusive);

③ 6.65% for one to three years (inclusive);

④ Three to five years (inclusive) 6.90%;

⑤ 7-year loan interest rate with a maturity of more than 5 years.

Difference between housing mortgage loan and housing mortgage loan

1. Cost variance: mainly in interest rate. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Because the policy is tight and the quota is limited, the interest rate rises instead of falling. However, the increase of mortgage is lower than that of mortgage.

2. Different subjects of legal relationship: in a mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal subjects, namely the mortgagor (bank), the mortgagor (buyer) and the third party (original owner).

3. Different preconditions: the borrower needs to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy houses or for other purposes. However, mortgage loan is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise of the purchased house provides phased guarantee, but it can only be used for buying a house.

Mortgaged and unsecured

1. From the nature of the loan, it is a credit loan, and the mortgage loan is a guarantee (or guarantee) loan;

Second, in terms of loan interest rate, the interest rate will be much higher than the mortgage interest rate. The general interest rate will be 2-3 times that of the mortgage.

Third, the loan period is relatively short, generally not more than three years. The mortgage period can be long or short, and one year can be as long as 20 years. The repayment pressure is small.

Four. Judging from the loan amount: the amount is generally small, and it is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

Mortgage loan mainly determines the loan amount according to the value of collateral. If the loan amount is relatively large, the repayment ability of the lender should also be considered.

5. In terms of loan issuance time, the approval time is short, and the loan can be obtained in 3-5 days; It takes 2-3 weeks from the approval-mortgage registration to the issuance of mortgage loans.