Commercial mortgage loan interest rates are based on the central bank’s benchmark interest rate, which is 4.35% for less than one year, 4.75% for one to five years, and 4.9% for more than five years. Banks in each region will also base their interest rates on The loan interest rate is subject to local market conditions.

Commercial mortgage loans require clarification of the following questions:

1. Starting from home mortgage loans, what is a home mortgage loan? It refers to the borrower’s own or third party loan. A credit method in which the borrower applies for a loan from the bank as a mortgage for comprehensive consumption such as buying a car or a house, and the borrower repays the principal and interest to the bank in installments or in one lump sum.

2. Loan conditions: a natural person aged 18-60 years old, with full capacity for civil conduct, with a long-term and stable source of income sufficient to pay the monthly loan principal and interest; the property rights of the house must be clear, No other mortgages have been made; the age of the house plus the loan period does not exceed 40 years; the owner of the property recognizes its borrowing and guarantee behaviors and is willing to assume relevant legal responsibilities.

3. To mortgage a house, you need to bring the following information: ID card, household registration book; personal income certificate (stamped with the official seal of the unit); a copy of the business license of the unit (stamped with the official seal); marriage certificate; The borrower's spouse's ID card and household registration book; house ownership certificate, original and copy of the original house purchase agreement; notarization of the house owner and the person with the most legal authority agreeing to the mortgage and proof of loan purpose; guarantor (ID card and household registration required) Bank certificate, marriage certificate, etc.

4. Loan finance, term. The starting deposit for a real estate mortgage consumer loan is 5,000 yuan, and the maximum amount shall not exceed 70% of the appraised value of the mortgaged property. The loan term is generally not More than five years, up to ten years.