At present, there are two main ways of bank loans, one is mortgage loan, the other is credit loan, but people who want to apply for mortgage loans will think of such a question, that is, is the interest on mortgage loans high?
Compared with credit loan interest, mortgage loan interest is lower, but credit loan is more convenient. The level of mortgage interest can only be relative, and it cannot be directly said that it is high or low. The mortgage loan interest is lower than the credit loan interest, but much higher than the bank's current and fixed interest. The annual interest rate of current interest is 0.35%. The bank's fixed interest at each stage is 2.35% for three months, 2.55% for six months, 2.75% for one year, 3.35% for two years, 4.00% for three years and 4.25% for five years.
The shortest term interest rate of mortgage loan is only 5.60%, which is higher than the five-year time deposit of the bank. For loans over six years, the highest interest rate of bank loans is 6. 15%, so it is very high compared with the current and fixed interest of banks. However, compared with the bank's credit loan interest, it is a little low. It can only be said that the interest level is not a standard to measure the quality of loans. Mortgage loan interest is lower than credit loan because it is relatively complicated to handle mortgage loans, while credit loans are relatively simple to handle. As for the level of mortgage interest, it mainly depends on the lender's situation.
2. What is the mortgage interest rate?
According to the regulations of the central bank, the benchmark interest rate of the latest one-year loan from 2065438 to August 2005 is 5.25%. Banks will raise or lower the benchmark interest rate when calculating the loan interest rate. Now that interest rates are market-oriented, banks can generally go down 10% for high-quality customers, and may go up by 20% for bad customers, basically depending on the financial situation of loan customers. Housing mortgage loan is a popular high-quality loan for banks, and it is more likely to implement the benchmark interest rate. If the benchmark interest rate is 5.25%, the annual loan interest is 2,000,005.25% = 65,438+0.500 yuan. 2. If it is a mortgage loan, the annual interest rate is usually around 6%. 3. If it is a general loan, each bank has its own interest rate, and the specific situation requires specific consultation, which is usually higher than the mortgage loan. If it is a credit loan, the interest rate will be slightly lower than that of a general loan. Interest = 200,000, and the annual interest rate is 65,438+05. If it is a commercial loan, the annual interest rate is 1 year. If the benchmark interest rate is 5.25%, the annual loan interest is 2,000,005.25% = 65,438+0.500 yuan. 2. If it is a mortgage loan, the annual interest rate is usually around 6%. If it is a general loan, each bank has its own interest rate, which is usually higher than the interest rate of mortgage loan. If it is a credit loan, the interest rate will be slightly lower than that of a general loan. Interest rate = 200,000 years, with an annual interest rate of 5. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you. Generally speaking, it takes a long time for a bank loan to be approved and refinanced, at least half a month. Slow is slow, but when we apply for a loan, we mainly consider the interest problem and the reliability of the lending institution. Therefore, when lending, we should fully consider it, and fast lending is not necessarily good. First, the lender prepares materials, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to hear the driving license. Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract. Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.
Third, the mortgage interest rate?
The interest rate of real estate mortgage loan can be judged in combination with the following situations:
1. Bank of China: According to the length of the loan period, the loan interest rate of the corresponding grade published by the People's Bank of China shall be implemented.
The loan interest rate within six months (including six months) is 4.60%.
The loan interest rate for six months to one year (including 1 year) is 4.60%.
The loan interest rate for one year to three years (including three years) is 5.00%.
The loan interest rate for three to five years (including five years) is 5.00%.
The interest rate for loans over five years is 5. 15%.
2. ICBC: interest rate benchmark rises 10%.
The loan interest rate within six months (including six months) is 4.86%.
The loan interest rate for six months to one year (including 1 year) is 5.3 1%.
The loan interest rate for one year to three years (including three years) is 5.4%.
The loan interest rate for three to five years (including five years) is 5.76%.
The annual interest rate of loans over five years is 5.94%.
3. Agricultural Bank of China: The interest rate benchmark will rise by 5%-20%.
The loan interest rate within six months (including six months) is 4.35%.
The loan interest rate for six months to one year (including 1 year) is 4.35%.
The loan interest rate for one year to three years (including three years) is 4.5%.
The loan interest rate for three to five years (including five years) is 4.75%.
The annual interest rate of loans over five years is 4.9%.
4. China Construction Bank: Interest rate benchmark rises by 20%.
The loan interest rate within six months (including six months) is 6. 1%.
The loan interest rate for six months to one year (including 1 year) is 6.56%.
The loan interest rate for one year to three years (including three years) is 6.65%.
The loan interest rate for three to five years (including five years) is 6.9%.
The annual interest rate of loans for more than five years is 7.05%.
4. What is the interest rate of the second mortgage of the house?
First of all, answer directly.
Mainly look at gambling.
Second, the specific analysis
1, application for secondary mortgage for outstanding mortgage
This situation is unlikely to happen, because mortgage loans require borrowers to issue real estate licenses and cannot be recovered, so loans are rare.
If a lending institution is willing to accept it, the full interest rate of the unwanted property will definitely be high, which is higher than the unpaid mortgage interest.
According to some netizens' feedback, if the annual interest rate of the first home loan is 4%-6%, then the annual interest rate of the second home loan may be 10%-20%, depending on the actual situation.
2. The mortgage has been settled, so apply for a second mortgage.
This situation needs to evaluate the current housing value, which can be evaluated in the following aspects.
Appraisal 1: the age of the house at the time of secondary mortgage.
When the house property right is mortgaged, the age of the house exceeds half of the house property right, or the applicant's age plus the age of the house is close to 70 years, then the risk of mortgage loan will be great.
Evaluation 2: Supporting environment around the house.
Generally speaking, as long as the location of the house is well chosen, there will be great room for appreciation, especially in the surrounding business districts and transportation. Then the higher the value of the house, even if the value is preserved, the loan interest rate may not be very high.
Evaluation 3: the external and internal quality of the house itself.
For example, the location of the house, the orientation of the house, the floor of the house, the interior decoration of the house, the distance between the apartment and the building, and so on. , will affect the comfort of living, and then reflect the value of the house. Therefore, the better the quality of the house, the lower the secondary mortgage interest rates may be.
Generally speaking, the interest rate of the second mortgage loan will still be relatively higher than that of the first mortgage loan. After all, the number of lenders has increased, but the specific amount is higher.
Online loan big data can clearly reflect the user's recent application for online loans, whether online loans are repaid on time, and whether this is the case; You can get a detailed risk report through credit inquiry tools such as "Xiaoqi Credit Check".
3. What are the requirements for real estate in two mortgage?
Except the borrower's age, ID card and residence permit.
1. The borrower's credit status is good, and there are no overdue defects in the first mortgage period.
2. The borrower has a stable income and can repay the principal and interest of the second mortgage loan on time.
3 Value and development space, which can be used by lending institutions
4. Being able to provide the house ownership certificate for mortgage registration is the priority of compensation.
5. Provide proof of two mortgage's use, such as transaction vouchers, purchase and sale contracts, business licenses, running water, etc.
Note that if two mortgage is only used to repay other loans, it is definitely not allowed, nor is it allowed to be used for purposes prohibited by other laws and regulations, such as investment, gambling, etc., subject to the provisions of the lending institution.