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.

Generally speaking, the full mortgage interest rates of 202 1 is basically around 4.9%-7%.

Compared with banks, the interest rate of online loans is lower. Like Qian Yun, the monthly interest rate of house loan can be as low as 0.32%, and the single ceiling is 30 million.

The monthly interest rate of real estate mortgage is as low as 0.43%, the maximum loan is150,000, and the longest term is 20 years.

How much can a house mortgage generally borrow?

1. Generally speaking, the mortgage loan amount is different for different mortgaged properties. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%.

2. There are many factors that affect the amount of housing mortgage loan. The evaluation of real estate directly affects the amount of mortgage loan, among which the main reasons affecting the evaluation value of real estate are type, orientation, location, year of construction, floor and so on.

3. The mortgage loan limit is also directly related to the assets owned by the borrower. If there is only one property, so much can only be loaned to half of the value of real estate assessment; If you have multiple properties, you can borrow 70-80% of the value of real estate assessment.

4. The amount of personal income, the bank will also be considered within the scope of loan factors. If the personal income is low, the lending institution will consider whether the borrower has enough repayment ability, and then reduce the loan amount.

Can the house bought by loan be mortgaged?

The house bought by the loan can be mortgaged, but the following conditions need to be met:

1. The property mortgaged in the bank belongs to me or the company;

2. The borrower must be a China citizen aged 65,438+08 to 65, and hold a valid identity document.

Secondly, you must have a proper job and a stable income, so that you can repay the monthly payment on time and according to the regulations.

4. The repayment amount to the bank in the past year should be normal and not overdue, and the credit status should remain good;

Mortgage bank loan process

1. Apply for a loan

The purpose, amount and duration of the borrower's application for a loan from a financial institution.

2. Submit loan information

Submit application materials, including but not limited to the following contents (depending on the specific provisions of each bank's products): borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.

If an enterprise needs to mortgage real estate, the materials it needs to provide include: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the last six months, financial statements of last year and the last six months, and asset certificates (different materials will be provided according to different banks).

3. House evaluation

After the materials are submitted completely, the bank or institution will conduct on-the-spot investigation and evaluation according to the mortgaged house.

Step 4 apply for a loan

The housing appraisal company submits the appraisal report or appraisal opinion to the institution for examination and approval.

5. Sign a loan contract

The borrower and the lending institution shall sign and seal the loan contract and all relevant documents, which shall be notarized by a notary.

6. Mortgage registration procedures

The bank shall go through the mortgage registration formalities at the real estate office with the house ownership certificate and notarized loan contract.

7. Loans from banks or financial institutions

Relatively speaking, the lending time of online lending platform is faster than that of banks;

The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month.

Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended.

If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you.

According to relevant laws, the interest rate of bank real estate mortgage loans fluctuates around the benchmark interest rate of central bank loans. The benchmark interest rate of the bank is: if the loan is within one year, the annual interest rate is 4.35%; The loan term is one to five years, and the annual interest rate is 4.75%; If the loan term exceeds five years, the annual interest rate of the bank is 4.90%. Housing mortgage loan is a way for banks to legally lien and pledge the borrower's property in order to ensure the safety of loans.

legal ground

People's Republic of China (PRC) Civil Code

Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.