1. loan interest: the interest of general mortgage loans is around 7%, depending on local banking policies. 2. Quota Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and offices can reach 60%, and the mortgage of industrial plants can reach 50%.

Interest calculation of housing mortgage loan:

The annual interest rate of housing mortgage loan is divided into two stages: (5 years as the boundary)

1. If the mortgage loan term is less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%;

2. If the mortgage loan term is more than 5 years, the annual interest rate of the loan is 5.04% (according to the actual situation of the local government).

Loan amount: the maximum amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower).

What types of houses can't be mortgaged?

1. The house with outstanding loan? produce

The real estate collateral of real estate mortgage loan must be real estate without any mortgage or loan. If the property has been mortgaged or the property is still under mortgage, the bank has other rights to the property, and the borrower mortgages the property again, and the bank cannot handle it. Because two banks can't own other rights of a property at the same time.

2. Some public houses have been purchased.

There are two situations in which the purchased public houses can't be mortgaged: First, the purchased public houses can't provide the purchase contract or agreement, because some purchase contracts will contain the clause that the original unit has the preemptive right, and the bank can't obtain other rights, so the bank can't operate this property mortgage loan; The other is the central delivery room that cannot provide the listing certificate of the purchased public housing central delivery room. Such a property cannot be listed and traded, so it is impossible to run a business.

3, less than five years of affordable housing

According to the current national policy, affordable housing less than five years old is not allowed to be listed and traded, nor can it apply for real estate mortgage loans. Housing is generally managed by affordable housing.

4. Small property houses without real estate licenses.

Residents who have not obtained the ownership certificate of small property houses have only the right to use the houses, but no ownership. Without the ownership certificate of this property, this kind of property can't be listed and traded, and it can't go through mortgage procedures and mortgage loans.

In reality, when different banks charge interest on real estate mortgage loans, the interest rates are different. Usually, if the loan term is longer, the interest rate will be higher, which means that the lender has to pay higher interest.

Legal basis:

Article 412 of the Civil Code stipulates that if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, resulting in the mortgaged property being seized according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgaged property from the date of seizure, unless the mortgagee fails to notify the debtor who should pay off the legal fruits.

The fruits specified in the preceding paragraph shall be used as the expenses for collecting fruits first.

Brief summary:

Mortgage loan interest: 1. Loan interest: The general interest on mortgage loans is around 7%, depending on the policies of local banks. 2. Quota Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and offices can reach 60%, and the mortgage of industrial plants can reach 50%.

What's the mortgage interest rate?

Generally, the property ownership certificate is about 4.35% in mortgage interest rates. The mortgage interest rate of the house will be different according to the situation of the house and the lender, and the actual lending interest rate shall prevail. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

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Classification of mortgage loans:

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank implicitly when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

Second, the enterprise mortgage loan

Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.

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What's the mortgage interest rate?

1. What's the mortgage interest rate?

1. At present, the benchmark interest rate implemented by the bank is: the loan interest rate for less than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; More than five years is 4.90%.

2. At present, the benchmark interest rate of commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

3. The second suite is defined as the number of mortgage loans based on the borrower's family (including the borrower, spouse and minor children). Families who have used provident fund loans or commercial loans to buy houses and apply for mortgages again are regarded as second suites.

Second, the classification of loan interest rates

According to whether the interest rate level changes during the monetary fund lending relationship, the loan interest rate can be divided into fixed interest rate and floating interest rate. Floating interest rate refers to the interest rate that is adjusted accordingly with the change of price or other factors during the loan period. Lenders and borrowers can agree that the interest rate can be adjusted with the price or other market interest rates when signing the loan agreement. Floating interest rate can avoid some disadvantages of fixed interest rate, but the calculation basis is diverse and the procedures are complicated.

China's medium-and long-term savings deposit subsidy method is a form of floating interest rate system.

What's the mortgage interest rate?

At present, the latest mortgage interest rate is: (quick calculation of 654.38+0 million yuan; The quick calculation result of average capital is the customer's repayment amount in the first month) 1 year -6.00%, with equal principal and interest of 860.66, floating 10%-6.6%, with equal principal and interest of 863.42, floating 15%-6.9%, with equal principal and interest of 860.68888888866 The matching principal and interest is 195. 19. Floating 10%-7.04%, with equal principal and interest of 198.20. Floating 15%-7.36, with equal principal and interest of 65438+ equal principal and interest of 1 13.80. Floating 10%-7.2 1%, with equal principal and interest of117. Floating 15%-7.5325, equal principal and interest. The benchmark interest rate issued by the central bank is 6% for one year and 6.15% for two to three years; Four to five years, 6.4%; More than six years (including six years) 6.55%; According to your personal credit situation, the bank will fluctuate, generally 10% to 20%.

Repayment method:

Monthly payment (equal principal and interest, average capital)

Repayment of principal and interest during the monthly repayment period (recycling)

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!