Which mortgage value is higher, ordinary house, villa or shop?

The mortgage rate of ordinary houses is the highest, which can reach 70% of the real estate appraisal value; The mortgage rate of high-grade apartments, villas, shops, office buildings and hotels is the second, accounting for 65% of the assessed value of real estate; The mortgage rate of the factory building is the lowest, accounting for 50% of its assessed value. The income of residential investment depends on whether the house price rises. As for the rent, it can be ignored. The greater the leverage of residential investment, the longer the investment period and the greater the growing demand. But we can't generalize. It is necessary to evaluate the value of collateral according to the specific local location and the surrounding business and living environment, and to see if it is easier to dispose of. Remote commercial outlets are no better than school districts next to famous schools, and ordinary houses can't keep up with the concierge in downtown areas. However, in the actual implementation process, it is more troublesome to dispose of the house because it involves the only housing problem. In this respect, it is right to say that shops are better than houses.

Legal basis:

Article 394 of the Civil Code of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property.

The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Derivative problem:

How to apply for property preservation?

To apply for property preservation, you need to submit an application and guarantee materials. Guarantee materials generally include a letter of guarantee and proof of property, such as real estate license, bank passbook, vehicle driving license, etc. And the value of the secured property shall not be less than the amount applied for preservation. The secured property may belong to the applicant or a third party. Submit relevant materials to the competent court.