You can take bank guarantee, but you must be able to repay the loan and interest on a monthly basis (the intermediary with equal principal and interest is generally designated and accepted by the loan bank, so you need to pay a certain amount of guarantee money and handling fee (the specific intermediary is different, the deposit will be refunded after the loan is repaid, and the handling fee will not be refunded), and you should contact the loan bank specifically. Don't trust loan companies, many of them are shell companies. It is recommended to go to a regular national bank for handling or consulting.

Second, the mortgage bank loan is 654.38+00,000, 654.38+00 years. Please tell me what you know, how much to pay back every month, how much interest and so on.

The bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. Under the current policy, the first suite is generally calculated according to the benchmark interest rate, and the interest rate for more than five years after adjustment on April 6 is 6.80%. The monthly interest rate is 6.80%/65438+the February interest rate is 6.80%/ 12 1 10,000 10 years (120 months) and the monthly repayment amount is10000006.80%/klc. 12)120-1] =1kloc-0/508.03 Yuan total interest:11508.03120-/.

6 Description: 120 is the power of 120.

3. What is a mortgage loan?

Residential housing mortgage loans can reach up to 70%. When you go to the bank to apply for a loan, the bank will first appoint an appraisal company for your appraisal, and the appraisal will issue a professional appraisal report, that is, calculate the appraisal price of your house, and then the bank will comprehensively give you the loan amount according to the appraisal price and your personal situation.

Take housing as an example. If your credit information is fine, your salary level is high, and your repayment ability is ok, basically 70% is fine. For apartments, it is usually less.

# Housing mortgage loan amount:

1. The mortgage rate of commercial housing can reach up to 70%.

2. The mortgage rate of industrial plants can reach up to 50%.

3. The mortgage rate of office buildings and shops can reach up to 60%.

4. Up to 30 years, mortgage includes shops, office buildings, houses, villas, factories, warehouses, etc.

# Time required for real estate mortgage loan:

1. Prepare the materials and sign the contract 1 working day.

2, household survey, evaluation about 5 working days.

3. It takes about 3-5 working days for bank approval.

4. The mortgage registration time is 1 week.

5, the bank loan time is about 3 days.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

Fourth, how much mortgage loan to take.

1. Article 5 of the Measures for the Administration of Mortgage Loans stipulates that the maximum loan amount is 70% of the house appraisal. Generally speaking, the amount of mortgage loan is different for different mortgaged properties. Usually, the mortgage of commercial housing can reach 70%, that of shops and office buildings can reach 60%, and that of industrial plants can reach 50%.