Different repayment times are different.

Mortgage loan belongs to installment repayment, and it also belongs to mortgage loan in the way of guarantee. Of course, by mortgage loan, we generally mean to mortgage a house with full property rights to a bank to obtain loan funds to handle other affairs. The term of this kind of loan is generally short, mostly within 1 year, and the repayment method is generally full repayment at maturity. In terms of interest, mortgage loans can generally be relatively low. The benchmark interest rate of mortgage loan and mortgage loan is the same, but the difference is: mortgage loan can be loaned for up to 30 years, and the benchmark interest rate is implemented; The longest mortgage loan is 65,438+00 years, and the benchmark interest rate rises. The current benchmark interest rate of the bank is as follows: 4.60% for loans within six months (including six months) and 4.60% for loans from six months to one year (including 1 year).

Mortgage loan refers to a loan business conducted by mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.

The specific procedures for property buyers to apply for real estate mortgage are as follows:

(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.

(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

(4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

(5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

(6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

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.

Difference between housing mortgage loan and housing mortgage loan

1. Cost difference: mainly in terms of 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. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan.

2. Different subjects of legal relationship: in the 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 must be at least three legal subjects, namely, the mortgagor (bank), the mortgagor (buyer) and the third party (original house owner).

3. Different preconditions: the borrower wants 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 a house or for other purposes. However, mortgage loan is a personal housing loan business that buyers use the purchased house as collateral and real estate companies provide regular guarantees, but it can only be used for buying houses.

What is the difference between commercial housing mortgage loan and mortgage loan? How to calculate the interest?

First, the difference between mortgage and mortgage:

1. The purpose of mortgage is to reduce the risks in housing transactions and loans as much as possible through the temporary transfer of housing property rights, so as to obtain loans as much as possible, complete housing transactions and obtain housing ownership.

2. The purpose of mortgage is to obtain funds through the mortgage of collateral to accomplish other purposes.

2. How to calculate interest

The mortgage interest rate is usually based on the benchmark interest rate. The loan term is usually around 65,438+00 years, and the maximum loan amount can reach 70% of the appraised value of real estate.

Generally speaking, the interest rate is the benchmark interest rate stipulated by the People's Bank of China. However, the mortgage interest rate will generally enjoy certain concessions, and occasionally it will rise slightly with the change of policies, but the magnitude will not be particularly large.

However, mortgage loans are different. The loan interest rate of real estate mortgage loans generally rises on the basis of the original interest rate, with a large increase.

Generally speaking, the cost of mortgage is higher than mortgage. Simply put, under the same loan amount, mortgage loans pay more interest than mortgage loans.

Knowledge expansion:

1. Mortgage loan is a kind of currency and goods transaction among buyers, developers and banks around housing property rights, loans and repayments. In the process of trading, the responsibilities of all parties are also different. The developer plays the role of middleman or guarantor, the buyer is the mortgagor and the bank is the beneficiary of the mortgage.

Mortgage means that under the premise of paying part of the house price, the house property right is temporarily given to the bank as a loan guarantee by signing a loan agreement with the bank, so as to obtain a bank loan, repay a certain monthly payment through the lender, and finally recover the house property right from the bank after paying off all the loans and interest, so as to have independent house property right.

2 for mortgage loans, should be based on land use warrants, housing ownership certificates, loan purposes and other materials, and banks or financial institutions signed a loan contract.

Mortgage means that the purchaser mortgages the house under his own name to a bank or financial institution as collateral to obtain a loan, but the property right of the house is still in the hands of the lender. Banks or financial institutions only have the mortgage of houses, have no right to dispose of houses at will, and have never owned the property rights of houses.

What's the mortgage interest rate?

1. What's the mortgage interest rate?

1. At present, the benchmark interest rate implemented by the bank is: the loan interest rate for less than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; More than five years is 4.90%.

2. At present, the benchmark interest rate of commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

3. The second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites.

Second, the classification of loan interest rates

According to whether the interest rate level changes during the monetary fund lending relationship, the loan interest rate can be divided into fixed interest rate and floating interest rate. Floating interest rate refers to the interest rate that is adjusted accordingly with the change of price or other factors during the loan period. Lenders and borrowers can agree that the interest rate can be adjusted with the price or other market interest rates when signing the loan agreement. Floating interest rate can avoid some disadvantages of fixed interest rate, but the calculation basis is diverse and the procedures are complicated.

China's medium-and long-term savings deposit subsidy method is a form of floating interest rate system.

What's the interest rate of mortgage and mortgage loan?

Mortgage and mortgage interest rates are determined according to the repayment ability of regions, banks and individuals. 1. At present, bank housing mortgage loans are divided into self-owned property and mortgaged property mortgage loans, and the interest rates of the two loans are different. The interest rate of mortgage loan is usually higher than that of self-owned property. 2. The real interest rates implemented by different regions and different banks are also quite different. However, the actual interest rate is generally based on the benchmark interest rate, and it is carried out by floating a certain proportion, which is roughly within the range of 10%-50%.

What's the interest rate of bank mortgage loan?

Housing mortgage loans are divided into mortgage loans and consumer/commercial mortgage loans. The annual interest rate for 1 year is 4.35%, the annual interest rate for 1-5 year is 4.75%, and the interest rate for more than 5 years is 4.9%.

If the borrower has good credit information and stable income, he can apply for a lower interest rate;

If the borrower's credit information is flawed and the debt ratio is high, the application interest rate may rise by 5%-20% compared with the benchmark interest rate. Different regions have different policies, depending on local banks.

This concludes the introduction of mortgage and mortgage interest rate and mortgage and mortgage interest rate. I wonder if you have found the information you need?