If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets. At present, the benchmark interest rate basically rises by 40-50%, that is, the annual interest rate is 6.86%-7.35%.
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.
What's the mortgage interest rate for the house?
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 loans:
I. Personal housing loans
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 applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2. Personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan 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 a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.
Second, the enterprise mortgage loan
Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.
Term of enterprise loan: generally 1-5 years.
Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.
How much is the interest on the mortgage?
The latest mortgage interest rate in 2022: Since the central bank cut interest rates in March 2020, the benchmark interest rate currently implemented by banks is:
The interest rate for one year and below is 3.85%;
The interest rate for one year to five years (including five years) is 4.65%;
For more than five years, it is 4.65%
In 2022, banks are also implementing benchmark interest rates.
housing mortgage loan
Housing mortgage interest rates are classified by use, and the mainstream ones are roughly divided into two categories:
1, mortgaged real estate business:
The interest rate is 0.5% lower than the benchmark interest rate according to the policies of major banks and the specific situation of borrowers.
2. Personal consumption for the purpose of mortgaged property:
When the mortgaged property is used for personal consumption, the benchmark interest rate will generally rise 10%~30%.
Take the benchmark interest rate 202 1 released by the central bank as an example.
The interest rate for one year and below is 3.85%;
The interest rate for one year to five years (including five years) is 4.65%;
More than five years is 4.65%.
If the property mortgaged by the lender is used for business, the loan interest rate will fluctuate by 0.5% on the benchmark interest rate according to the policies of major banks and the specific situation of the borrower.
If the lender uses the mortgaged property for personal consumption, the loan interest rate will generally rise 10%~30% on the basis of the benchmark interest rate.