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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