What is the mortgage rate for a house mortgage bank loan?

Mortgage rate and loan amount are closely related. For example: assuming the appraised value of the property is 500,000 yuan and the actual loan amount is 300,000 yuan, then the mortgage rate is 60%. According to the current situation, the mortgage rate for ordinary residences is the highest, which can reach 70% of the property's assessed value; the mortgage rate for high-end apartments, villas, shops, office buildings, and hotels is second, which is 65% of the property's assessed value; the mortgage rate for factories is second. Minimum, 50% of its appraised value.

When it comes to actual loans, each bank has different regulations. If the borrower's loan is used for business, the mortgage rate for residential property is up to 70%, and the mortgage rate for commercial property is up to 60%; if the loan is used for consumption, the mortgage rate for residential property is up to 60%, and the mortgage rate for commercial property is up to 50%. . The Agricultural Bank of China's "Comprehensive Credit Loan" states that if the borrower has two properties, the pledge rate is up to 70%; if there is only one property, the pledge rate is up to 50%.

However, the mortgage rate of home mortgage loans is not certain, because different banks will have corresponding changes based on the borrower's qualifications. For specific circumstances, the borrower needs to go to Consult local lenders for details.