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 to calculate the interest of real estate mortgage loan?
The interest calculation formula of the loan is as follows:
1. If interest is calculated, the calculation formula of loan interest is: loan interest = principal interest rate, and loan term.
2. If the interest rate is calculated, the calculation formula of the loan interest rate is: loan interest rate = principal/interest rate loan period.
In fact, the execution interest rate of each bank will fluctuate. Please refer to the actual transaction interest rate for details.
2. Which bank has low interest on commercial loans?
Banks with low commercial loan interest rates include China Bank, China Construction Bank, Agricultural Bank and China Industrial and Commercial Bank.
202 1 The latest data shows that the mortgage interest rates of the four major state-owned banks are generally around 3.85%. For credit loans, the lowest loan interest rate is China Bank, and the current loan interest rate is 2.6%. After that, ICBC will repay the principal and interest in equal amount, with the longest installment of five years and the loan interest rate as low as 3%.
Note: The level of loan interest is also related to the lender's personal comprehensive qualification, loan business type, loan amount, repayment method, loan term and other factors.
Second, how to get the lowest loan interest?
1, amount ≤3W:
This general suggestion is to cash in with a credit card, use Alipay's flowers, borrow them, and so on. Used for loans, and the general interest rate is relatively low, easy to use.
2. Amount ≤ 10W:
The secured loan is good. Looking for a guarantor, maybe in my hometown rural credit cooperative. Credit companies require to work for more than half a year, or have a business license for one year, but the self-employed who just started can't get it.
3. Amount ≤50W
500 thousand, depending on how many years you want to pay back. It can be one year, two years, three years, five years. If there is collateral, it is recommended to apply for a mortgage loan, and the interest rate of the mortgage loan will be lower than that of the credit loan. According to the purpose of the loan, it can be regarded as a consumer loan, and the interest rate rises by more than 30% on the basis of the benchmark interest rate. Of course, if you have acquaintances, you can have fewer. The repayment method can be equal principal and interest, with monthly interest paid every year or at maturity. Banks generally like the repayment method of equal principal and interest. In view of the actual situation, it is recommended to apply for mortgage consumer loans, and the interest rate and repayment method can be negotiated with the bank.
4. Amount ≥100 w.
This is not easy to borrow
How much is the mortgage interest?
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?
The latest mortgage interest rate of 20 18 is: the annual interest rate of short-term loans within one year (including one year) is 4.35%; The medium and long-term loan interest rate for one year to five years is 4.75%; The long-term loan interest rate for more than five years is 4.9%.
As the central bank cuts interest rates or other events, the mortgage loans of major banks will also fluctuate, generally adjusting interest rates once a year. The mortgage interest rates of different banks are different, and the application difficulty is different.
Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases
Article 26:
If the interest rate agreed by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it.
The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.
How much is the mortgage interest of real estate license?
Generally, the interest rate of mortgage loans from banks with real estate licenses is around 4.35%. According to different houses and lenders, the interest rate of mortgage loans will be different, subject to the actual lending rate.
Real estate license to apply for mortgage loan needs to meet the following conditions:
(1) China citizen with legal status, aged 18-65 years old (inclusive), with full capacity for civil conduct;
(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;
(3) There are legal and effective collateral certification materials; (such as real estate license, land certificate, etc. )
(4) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;
(5) Being able to provide effective guarantee recognized by the lending bank;
(6) Other conditions stipulated by the lending bank.
Generally, the interest rate of mortgage loans from banks with real estate licenses is around 4.35%. According to different houses and lenders, the interest rate of mortgage loans will be different, subject to the actual lending rate.
Real estate license to apply for mortgage loan needs to meet the following conditions:
(1) China citizen with legal status, aged 18-65 years old (inclusive), with full capacity for civil conduct;
(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;
(3) There are legal and effective collateral certification materials; (such as real estate license, land certificate, etc. )
(4) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;
(5) Being able to provide effective guarantee recognized by the lending bank;
(6) Other conditions stipulated by the lending bank.
How much is the interest on the mortgage?
The latest mortgage interest rate in 2022: Since the central bank cut interest rates in March 2020, the benchmark interest rate currently implemented by banks is:
The interest rate for one year and below is 3.85%;
The interest rate for one year to five years (including five years) is 4.65%;
For more than five years, it is 4.65%
In 2022, banks are also implementing benchmark interest rates.
housing mortgage loan
Housing mortgage interest rates are classified by use, and the mainstream ones are roughly divided into two categories:
1, mortgaged real estate business:
The interest rate is 0.5% lower than the benchmark interest rate according to the policies of major banks and the specific situation of borrowers.
2. Personal consumption for the purpose of mortgaged property:
When the mortgaged property is used for personal consumption, the benchmark interest rate will generally rise 10%~30%.
Take the benchmark interest rate 202 1 released by the central bank as an example.
The interest rate for one year and below is 3.85%;
The interest rate for one year to five years (including five years) is 4.65%;
More than five years is 4.65%.
If the property mortgaged by the lender is used for business, the loan interest rate will fluctuate by 0.5% on the benchmark interest rate according to the policies of major banks and the specific situation of the borrower.
If the lender uses the mortgaged property for personal consumption, the loan interest rate will generally rise 10%~30% on the basis of the benchmark interest rate.