At the beginning of this year, some banks have already used up their mortgage targets ahead of schedule because of their active lending in the early stage, and they can't lend if they want to. This year's adjustment is to make the real estate market develop healthily and stably, so that buyers can afford to buy houses. This is to solve the problem from the source and raise interest rates so that real estate speculators can't sell or buy it. Inevitable rigid demand will be damaged unexpectedly, and we only need to see buyers whose adjustment has no effect. The other is that housing prices in some hot cities have risen too fast. Now some commercial banks have suspended mortgage loans to curb speculative demand for real estate and cool down overheated housing prices.

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1, mortgage

Mortgage, also known as house mortgage. Housing loan means that the buyer fills in the application for housing mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and letter of guarantee.

The bank promises to provide loans to the buyers after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract signed between the bank and the buyers. The bank shall directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.

2. Guarantee fee

In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find relatives and friends who are willing to provide guarantees and have financial resources, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.

3. How to calculate the liquidated damages for prepayment of mortgage?

① Industrial and Commercial Bank of China: 5% of the prepayment amount will be charged for prepayment within one year; If the repayment is made in advance after one year, no penalty will be charged.

② China Merchants Bank: If the prepayment is less than one year, it will charge at least three months' interest relative to the actual repayment amount; In case of prepayment after one year, at least 1 month interest shall be charged.

③ Agricultural Bank: If the loan is repaid in advance within one year, it will be charged according to the calculation formula of principal * monthly interest rate; If the repayment is made in advance after one year, no penalty will be charged.

④ Bank of China: If the prepayment is less than one year, the maximum penalty interest shall not exceed six months; If the repayment is made in advance after one year, no penalty will be charged.

⑤ Construction Bank: 3% of the prepayment amount will be charged for prepayment within one year; 2% for prepayment after one to two years; If the repayment is made two to three years in advance,1%will be charged;