The second home loan bank expects the annualized interest rate to be around 8%-9%. For example, Guangfa Bank and Minsheng Bank are one of the few banks that can handle housing in two mortgage. The loan term is 65,438+0-3 years, and the combined mortgage ratio (the ratio of the total amount of two outstanding loans to the value of the property) does not exceed 60%. The loan will be issued within 65,438+0-3 months. If you are not very strict about time, you can consider it.
The expected annualized interest rate of pawn shops in secondary mortgage is monthly management fee. The term is 5 days to 6 months, and the maximum amount of the two mortgage loans is 70% of the residual value of the house. The loan will be released within 7 days. People who are pressed for time can think about it.
The comparison is to go to a third-party loan company. Two mortgage of the lending company expects the annualized interest rate to be less than 2% per month. The term is 6- 12 months, the combined mortgage rate is 70%, and the loan is released within 15 days. I'm satisfied with everything, and it won't be useless.
What is the interest rate of the second home loan?
The second home loan bank expects the annualized interest rate to be around 8%-9%. For example, Guangfa Bank and Minsheng Bank are one of the few banks that can handle housing in two mortgage. The loan term is 65,438+0-3 years, and the combined mortgage ratio (the ratio of the total amount of two outstanding loans to the value of the property) does not exceed 60%. The loan will be issued within 65,438+0-3 months. If you are not very strict about time, you can consider it.
The expected annualized interest rate of pawn shops in secondary mortgage is monthly management fee. The term is 5 days to 6 months, and the maximum amount of the two mortgage loans is 70% of the residual value of the house. The loan will be released within 7 days. People who are pressed for time can think about it.
The comparison is to go to a third-party loan company. Two mortgage of the lending company expects the annualized interest rate to be less than 2% per month. The term is 6- 12 months, the combined mortgage rate is 70%, and the loan is released within 15 days. I'm satisfied with everything, and it won't be useless.
What is the interest rate of the second mortgage loan?
The second set of mortgage interest rate
Second-home loan interest rate For commercial loans, the current second-home loan interest rate is 1.2 times the benchmark interest rate. The benchmark interest rate for loans over five years is 4.90%, while the executive interest rate is almost 5.88%, and the highest interest rate cannot exceed 6.37%. 2. The interest rate of the second home loan for provident fund loans is implemented according to the benchmark interest rate 1. 1 times, and the benchmark interest rate for loans over five years is 3.25%, so the interest rate of the second home loan is almost around 3.575%.
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The second suite recognizes the house and the loan.
At present, most cities choose the principle of recognizing houses and loans, that is, when applying for loans, we should not only look at whether there is a purchase record under the name, but also whether there is a loan record under the name. If yes, the second loan will be recognized as the second house, and the loan interest rate and down payment ratio should be implemented according to the second house loan.
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The second suite recognizes the house and does not recognize the loan.
The standard for identifying a house is that there is a registered property under the name of the buyer or family. If you buy a house again and apply for a loan, it belongs to the second suite. If the house is sold, even if there is a loan record, it is not a second suite.
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The second suite accepts loans but not houses.
Recognizing loans and housing only pays attention to whether individuals or families have a record of applying for loans to buy a house. If there is a set of outstanding real estate loans, and then buy a house, it will be counted as two sets. The loan settlement is not two sets.
Let's stop here for the introduction of the second home loan interest rate.