1, housing mortgage loan; For example, take a house as collateral, and then go to the bank to mortgage it, because there is collateral, which is generally not too high. Mortgage loan and house purchase loan are different. There is no loan interest rate and no fixed down payment standard for the second suite. The loan interest rate fluctuates according to the latest LPR interest rate within 10%. Take the mortgage of CCB as an example. The annual interest rate of the loan is usually 5%. If the borrower takes the house as collateral and applies for a loan of 10,000,000 yuan, which will be repaid in ten years, the total loan for one year is 50,000 yuan, and the total loan for10 year is 500,000 yuan.
2. The house purchase loan must be handled in the bank, and the borrower must prepare the down payment, which is a kind of pre-purchase. Usually, the loan interest rate is higher than the mortgage. Take building behavior as an example. Generally speaking, the interest rate of commercial loans is around 5.5%-6%. Suppose the borrower wants to borrow one million yuan for 20 years, with annual interest ranging from 55,000 to 60,000. And the interest rate of mortgage will change with the change of repayment method. For example, if they are equal, the interest rate will be lower than the interest rate of the same amount. And if you use provident fund loans, then the loan interest will be much lower.
How much can a house mortgage generally borrow?
Mortgage house, mortgage amount will be different. Generally, the mortgage of commercial housing can reach up to 70%, the mortgage of shops and offices can reach 60%, and the mortgage of factories can reach 50%. There are many factors that affect the amount of housing mortgage loan. Housing evaluation is an important factor affecting the value of housing mortgage loan. The type, orientation, location, year of completion and floor of the house will all have an impact on the value of the house. The amount of mortgage is related to the borrower's assets. If there is only one house, it is at most half the value. For multiple houses, you can borrow 70% to 80%. Personal income will also be included in the scope of loans. The lower the personal income, the lower the bank's repayment ability.
And what is the interest rate of personal housing loan, and how much mortgage you can borrow at ordinary times, hoping to help you solve this life problem more smoothly.