The repayment rate depends on the length of your repayment time. The interest rate table is like this. Annual interest rate (%)6 months (including 6 months) short-term loan 5. 10 6 months to 1 year (including one year) 5.56 medium-and long-term loan 5.60 3 ~ 5 years (including 5 years) 5 years or more. If you haven't borrowed money for a long time, you can borrow it. If the benchmark interest rate takes a long time, the interest rate may rise by about 10%. Shell also depends on your qualifications, purpose and repayment ability.
Conditions of mortgage loan: legal status. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record. Take notes on the marriage certificate (marriage certificate or final marriage certificate issued by the Civil Affairs Bureau) of the holder of the property right certificate and his spouse's ID card holder and spouse's household registration book holder. If the property owner has minor children, please provide birth certificates. If it is returned in the property. And bank loans. Please provide the original loan contract and the bank statement of the first stage of the final contract. In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ). Housing support loans require that the service life of the house be within 20 years; The housing area should be more than 50 square meters; Houses should have strong mobility and expand information.
The repayment method of real estate mortgage loan is mainly bank loan, one is equal principal and interest, and the other is average capital. Choosing different repayment methods, the calculation method of loan interest is different, and the interest of house purchase money is also different.
1. If you choose to repay the loan with equal principal and interest, the formula for calculating the mortgage interest of the real estate license is as follows: monthly repayment amount = principal of the house purchase price x monthly interest rate x( 1+ monthly interest rate total repayment period -( 1+ monthly interest rate) total repayment period-1].
2. If average capital repayment method is selected, the calculation formula of mortgage interest rate of real estate license is as follows:
Monthly repayment amount = (loan principal/repayment months)+(accumulated principal of returned stone) x monthly interest rate.
In addition, the mortgage bank's time limit for real estate license purchase is generally 1-2 years. 0 years, the longest is not more than 30 years. It is understood that lending institutions will target personal loans. And other factors determine different loan interest rates. Generally speaking, he said that the borrower will lose money because the business risk of the enterprise is relatively high. It is easier to lose, so it is easier to be used for business operations, rather than daily consumer loans with high interest rates. At present, the interest rate of corporate loans sold in the market will be consistent with the benchmark interest rate for the same period. It has risen by about 50%, while the interest rate of consumer loans will mainly rise by about 30%. In addition, the lender will also consider the borrower's credit, economic strength, mortgage value and so on. Factors, so different lending institutions, different loan products will have different loan interest rates, how to calculate the specific income. Of course, others will be different.