The mortgage interest rate of commercial housing in Beijing is: the loan interest rate is 5.60% within one year (including 1 year), 6.00% for one to five years (including five years) and 6. 15% for more than five years. If individuals apply for provident fund loans, the interest rate of provident fund loans is: 4.25% for housing provident fund loans for more than five years and 3.75% for housing provident fund loans for less than five years. Commercial and residential dual-use houses can be used as bank mortgage loans, but not all commercial housing banks will accept them according to specific circumstances. In fact, the process and conditions of commercial housing mortgage loan are basically the same as those of housing mortgage loan. The process is as follows: go to the bank to apply for a housing mortgage loan, prepare the materials needed for the loan, personally sign with the bank, and report to the bank for approval. After the bank has passed the approval, it will inform the borrower of the approval result, sign a loan contract with the borrower, register the mortgage, issue certificates of other rights, and the bank will issue the loan to the account designated by the borrower.

What is the interest rate of Beijing real estate mortgage loan now?

Hello, the specific interest rate still depends on the product you choose. Beijing real estate mortgage loan, everyone's interest rate is different. In fact, it has something to do with our choice of bank, loan term, housing qualification and personal qualification. The specific interest rate will not be known until we have made a specific evaluation in the bank. So, I can only tell you a rough interest rate range. I understand that the real estate in mortgage interest rates is 3.4%, which is not low. Most of them are 4 in the market, and the requirements are general, so you can choose according to your own situation.

How much is the mortgage interest of real estate license?

① 6. 10% short-term loans for more than six months (inclusive);

② 6.56% from half a year to one year (inclusive);

③ 6.65% for one to three years (inclusive);

④ Three to five years (inclusive) 6.90%;

⑤ 7-year loan interest rate with a maturity of more than 5 years.

Difference between housing mortgage loan and housing mortgage loan

1. Cost variance: mainly in interest rate. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Because the policy is tight and the quota is limited, the interest rate rises instead of falling. However, the increase of mortgage is lower than that of mortgage.

2. Different subjects of legal relationship: in a mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal subjects, namely the mortgagor (bank), the mortgagor (buyer) and the third party (original owner).

3. Different preconditions: the borrower needs to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy houses or for other purposes. However, mortgage loan is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise of the purchased house provides phased guarantee, but it can only be used for buying a house.

Mortgaged and unsecured

1. From the nature of the loan, it is a credit loan, and the mortgage loan is a guarantee (or guarantee) loan;

Second, in terms of loan interest rate, the interest rate will be much higher than the mortgage interest rate. The general interest rate will be 2-3 times that of the mortgage.

Third, the loan period is relatively short, generally not more than three years. The mortgage period can be long or short, and one year can be as long as 20 years. The repayment pressure is small.

Four. Judging from the loan amount: the amount is generally small, and it is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

Mortgage loan mainly determines the loan amount according to the value of collateral. If the loan amount is relatively large, the repayment ability of the lender should also be considered.

5. In terms of loan issuance time, the approval time is short, and the loan can be obtained in 3-5 days; It takes 2-3 weeks from the approval-mortgage registration to the issuance of mortgage loans.

How much is the mortgage loan for Beijing 1 10,000 houses, and how to calculate the interest?

Half-year loan interest is 4.86% 1 to 3 years 5.3 1%3 to 5 years 5.76% 5.94% or more. The algorithm is: loan principal x interest rate/100/ 12= monthly interest (principal is calculated separately), which is exactly the benchmark interest rate. Every month, banks have different floating space, and some will float 30%-70%, depending on your relationship. If you have friends in the bank, you can set a benchmark interest rate, which generally does not float.

So much for the introduction of Beijing mortgage interest.