The stock house refers to the house that has been purchased or built by itself and obtained the title certificate, and also refers to the second-hand house that has never lived, that is, the house that is usually sold in stock. Strictly speaking, the stock house is a stock asset, and the stock house market is also called the first-and-a-half market.

Relative to incremental housing, incremental housing refers to new commercial housing invested by real estate developers. The procedure of buying and selling stock houses is that buyers and sellers sign a house purchase and sale contract, and go through the transfer registration at the real estate trading center where the house is located within 30 days after the contract takes effect. Strictly speaking, stock houses belong to stock assets.

Mortgage interest

Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and major commercial banks can float within a certain range when implementing it. But it is not static, but changes with the market.

Mortgage, also known as housing mortgage loan, is customarily called mortgage in daily life. It is a loan issued by the lender to the borrower with its own funds for the purchase of housing. The longest loan period is not more than 30 years, the second-hand housing provident fund loan is not more than 15 years, and the loan amount is 70% of the appraised value of the house. The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. Mortgage is mainly divided into provident fund loans, commercial housing loans and portfolio loans.