What is the mortgage interest rate table? What are the conditions for real estate mortgage loan?

Pay attention to the specific procedures when handling real estate mortgage loans. Many friends actually don't know the procedures. Real estate mortgage loans are actually more common in financial markets. You must be careful and prepare relevant information before dealing with them. What is the interest rate table of real estate mortgage loan? What are the conditions for real estate mortgage loan? Let's take a closer look.

What is the mortgage interest rate table?

On a large scale, the loan interest rate of banks will be relatively low, and because of the different capital stocks and policies of banks in different periods, there will be different actual loan interest rates under the same loan conditions. However, it will be subject to the benchmark interest rate announced by the central bank and subject to regulatory policies. For example, the interest rate of the first home loan required some time ago requires a floating rate of 10% or 15%.

What are the conditions for real estate mortgage loan?

Mortgage age of real estate 18-55 years old (some microfinance institutions can accept children or the elderly); General mortgage loan amount is 50 ~ 70% of real estate assessment price (some banks may increase it).

1. Generally, the term of mortgage loan is 1 year-10 year (a few banks can be as long as 30 years for customers, but the borrower cannot be over 60 years old after the loan is completed);

2. The age of the house is within 20 years (a few banks can do it within 30 years, and most of them have spare houses, which is easier to approve); The loan interest rate of mortgage loan is generally10%-20%; There is a certain source of repayment (the effective proof is mainly bank flow, and at least the monthly effective income is more than twice the monthly mortgage payment); Personal or company credit is good (less overdue, otherwise the bank may find an excuse to raise interest or not allocate funds);

3. At present, the types of real estate that banks can accept are commercial housing, houses, shops, mortgage houses, second mortgages, serviced apartments and office buildings. , and other materials (provide more proof of assets. Personal repayment ability is an important factor in handling real estate mortgage loans, so if you can provide assets certificates similar to other real estate, vehicles, securities and companies, you can greatly increase the amount of bank real estate mortgage loans.

If you want to apply for real estate mortgage loan, you should pay attention to choosing the appropriate loan method according to your own economic ability, and pay more attention to the related issues of interest rate. The above is an introduction to the interest rate table of real estate mortgage loan and the conditions of real estate mortgage loan. It will be convenient to apply for a loan if you meet the requirements.