(2) Handling fees include appraisal fees, insurance fees, loan contract notarization fees, mortgage registration fees, etc. The total cost is several thousand to ten thousand yuan (depending on your loan amount and the bank you choose).
The repayment interest rate is an interest rate table based on the loan life:
Annual interest rate (%)
I. Short-term loans within six months (including six months) 5. 10 Six months to one year (including one year) 5.56
2. Medium-and long-term loans for one to three years (including three years) 5.60 Three to five years (including five years) 5.96 More than five years 6. 14 If your loan time is not long, you can set the benchmark interest rate. If the time is long, the interest rate may rise by about 10%.
Housing mortgage loan conditions:
(1) It has legal status: it has stable economic income, can repay the loan principal and interest, and has no bad credit record.
Property ownership certificate, identity card of obligee and spouse, household register of obligee and spouse, and marriage certificate of obligee (marriage certificate or unmarried certificate issued by Civil Affairs Bureau).
(2) Income certificate: If the owner of the real estate license has minor children, please provide a birth certificate; If the real estate has a bank loan, please provide the original loan contract and the latest bank statement; In order to improve the loan pass rate, please provide as many other family property certificates as possible (such as separate real estate license, stocks, funds, cash passbook, vehicle driving license, etc.). ), and the mortgage loan requires the house to be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile.
(3) Limit on the value of real estate mortgage loan: the amount of real estate mortgage loan is 70% of the appraised value of the house, and the loan period of real estate mortgage loan shall not exceed 30 years for new house loans and 20 years for second-hand houses.