Real estate certificate mortgage loan interest rate

1. Real estate certificate mortgage loan interest rate

①Short-term loan of more than six months (inclusive) 6.10%;

②Six months to one year (inclusive) 6.56 %;

③One to three years (inclusive) 6.65%;

④Three to five years (inclusive) 6.90%;

⑤Five-year period The above 7-year loan interest rate

The difference between residential mortgage loans and residential mortgage loans

1. Cost difference: mainly in terms of interest rates. For mortgage loans, it is commercial loans, also called personal housing loans. A mortgage loan refers to a loan that the borrower obtains from a bank with certain collateral as security. The interest rate is the benchmark interest rate set by the People's Bank of China. In the past, there were discounts on mortgage interest rates for buying a house. Because policies are tight and quotas are limited, interest rates rise instead of falling. But the growth rate of home loans is lower than that of home loans.

2. Different legal relationship subjects: In a mortgage relationship, if the debtor is the mortgagor, there are only two legal relationship subjects, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal entities, 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. A mortgage loan is a loan obtained from the bank with a certain amount of collateral. Mortgage loans can be used to purchase a home or for other purposes. However, a mortgage loan is a personal housing loan business in which the home buyer uses the house purchased as collateral and the real estate company of the purchased house provides a periodic guarantee, but it can only be used for house purchase.

Mortgage and unsecured

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

Second, in In terms of loan interest rates, the interest rates will be much higher than the interest rates on mortgage loans. Generally, the interest rate will be 2-3 times that of the mortgage loan.

Thirdly, in terms of loan period, the loan period is relatively short, generally no more than 3 years. Mortgage terms can be long or short, from one year to as long as 20 years. Repayment pressure is low.

Four. Judging from the loan amount: the amount is generally relatively small and is judged based on the borrower’s salary, turnover, liabilities, etc. This determines the loan amount.

Mortgage loans mainly determine the loan amount based on the value of the collateral. If the loan amount is relatively large, the lender's repayment ability should also be considered.

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

2. Xiamen housing mortgage loan interest rate

4.5%. The country’s current basic unified implementation basis for real estate mortgage loans of more than 5 years by banks in the Xiamen market

3. What is the interest rate for personal housing mortgage loans in Beijing?

House mortgage bank loan interest rates In accordance with the loan interest rate for the same period and grade stipulated by the People's Bank of China, the base annual interest rate is 5.94%. The specifics depend on which bank you choose. The interest rates and terms of loan products are also different. Find several banks to compare, or apply online. There are many banks and there will be dedicated personnel to help you choose the right one. Relatively cost-effective. If you need to apply for a loan---I recommend you to apply for a loan at "Zhuancheng Guarantee". I hope this professional loan platform will be helpful to you.

4. What is the mortgage interest rate?

The interest rate of real estate mortgage loans can be judged based on the following circumstances:

1. Bank of China: Based on the length of the loan period, the interest rate for the corresponding grade of loan announced by the People's Bank of China will be implemented.

The loan interest rate within six months (including 6 months) is 4.60%

The loan interest rate from six months to one year (including 1 year) is 4.60%

< p>The loan interest rate for one to three years (including 3 years) is 5.00%

The loan interest rate for three to five years (including 5 years) is 5.00%

The loan interest rate for more than five years is 5.15 %

2. Industrial and Commercial Bank of China: The interest rate benchmark increases by 10%

The loan interest rate within six months (including 6 months) is 4.86%

Six The loan interest rate from one month to one year (including 1 year) is 5.31%

The loan interest rate from one to three years (including 3 years) is 5.4%

Three to five years (including 5 years) The loan interest rate is 5.76%

The annual interest rate for loans over five years is 5.94%

3. Agricultural Bank of China: The interest rate benchmark increases by 5%-20%