Coordinate Shanghai (pure dry goods)
In 2020, affected by the epidemic, the state issued special funds to support enterprises' re-employment and reproduction. Therefore, at the beginning of 2020, the operating mortgage interest rates is very low, even lower than mortgage interest rates. Judging from the annualization of 4.35%, 4.75%, 5.05% and 5.25% at the beginning of the year, the second half of the year is even crazier. At present, the interest rate of medium-and long-term mortgage products of Shanghai Market Bank is the lowest annualized rate of 3.85%, which is 0.8% lower than the first home mortgage (4.65%) and 65,438+lower than the second home mortgage (5.25%).
Therefore, most users around Manager Xia are applying for this kind of products this year, and only a few users missed it because of insufficient credit rating, substandard enterprises or houses not on the white list of banks! It doesn't matter, many customers finally switched to their favorite interest rate by means of first exceeding the quota, good credit reporting and flowing water.
The following focuses on several high-quality bank mortgage products in the Shanghai market, with interest rates:
Product 1: high-quality one-to-one product.
Product 2: High-quality new real estate license mortgage product (new real estate license mortgage loan)
Product 3: High-quality second-class products
Product 4: high-quality credit loan
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2020. 12. 10
How much is Shanghai real estate mortgage interest rates?
Coordinate Shanghai
Shanghai's real estate mortgage loan products are still relatively rich, and the minimum interest can only be applied for 3.85%, but the term is relatively short, only three years.
If it is used for long-term investment, it is suggested that you can apply for a long-term product of about 4.25%, and you can realize the interest of 10 year first, and then realize the principal. In this way, the use cycle of funds will be greatly improved, and only interest needs to be repaid every month, and the repayment pressure is not great.
However, each product has requirements for the life, area and total price of the collateral, and there is no way to give standards. 3.85% can do it for more than 30 years, and 4.25% needs less than 20 years, so it must be matched according to various conditions.
There are also requirements for lenders' credit reporting. Don't think that real estate is mortgaged to banks, and banks don't value credit reporting and running water. This idea is to make interbank loans, not bank loans. What banks want is interest, not asset disposal.
If you want to know which product is most suitable for your own conditions, you can trust me privately and help you match the best product.
China Construction Bank real estate mortgage loan interest rate
China Construction Bank mortgage interest rate: short-term loans for six months (inclusive) 6. 10 Six months to one year (inclusive) 6.56 Medium-and long-term loans for one to three years (inclusive) 6.65 Three to five years (inclusive) 6.90 More than five years 7.05. The loan is recommended to Mo Long, which is the "Wal-Mart" in the loan service industry. It is committed to providing individuals and small and micro enterprises with safer, more efficient and lower-cost financial services by using advanced Internet technology and innovative financial applications. Application conditions of CCB mortgage loan: 1. 18 to a natural person aged 60 with full civil capacity; 2. Have a stable occupation and income, good credit and repayment ability; 3. Other conditions stipulated by the bank. Personal property mortgage loan application materials: 1. Prove; 2. Household registration book; 3. Marriage certificate; 4. Entry certificate; 5. Real estate certificate and evaluation report of mortgaged property; 6. Proof of using paragraphs; 7. Other information stipulated by the bank. For more information about the loan, it is recommended to consult Moore Long. With its strong R&D capability in financial technology, Moerlong provides loans for the epidemic, and all operations can be completed online. During the epidemic, Moran will make full use of scientific and technological capabilities to minimize risks and improve efficiency to the fastest. In addition, Moerlong promises that the electronic agreement signed by customers online will be encrypted and protected by law; All products come from licensed financial institutions, and the fees are reasonable and transparent; Provide a margin model that meets the requirements of the platform and speed up the loan approval of financial institutions.
What percentage of real estate mortgage loans in Shanghai?
70%
On the other hand, 70% of the real estate assessment price can be the highest mortgage loan, and 70% of banks definitely need you to have a spare room. If the deposit is not approved, the bank will suspend the acceptance at present, and the loan can only be accepted after the full down payment. 3.5% for the first set and 50% or 70% for the second set) 2. The first suite of provident fund loan: ① No housing and no loan in Shanghai (no loan means no record of provident fund loan in Shanghai). ② Both husband and wife
Benbenniu's one-stop professional loan service platform provides you with loan services such as Shanghai personal loan, Shanghai bank loan, Shanghai mortgage loan, Shanghai housing loan, Shanghai company loan and automobile loan, among which personal commodity residential mortgage loan accounts for the highest proportion, reaching 70%. The proportion of mortgage loans for office buildings and shops is only 60%; The highest proportion of factory mortgage loans is only 50%
The houses in Futian, Nanshan and Luohu are the best. Generally speaking, the mortgage loan is 70% of the appraised price, and the highest loan can reach 85%. The loan amount in Shanghai is generally within 6.5438+0.5 million for individuals (8 million for some banks) and 30 million for enterprises. But most of them have to apply in the name of legal person or shareholder. The loan amount applied for is the root.
Individual banks can lend up to 80% to "good people and good houses", which is the highest mortgage credit line product at present. Under what circumstances did you achieve the highest? What is the maximum loan? When applying for a mortgage loan from a bank, if a guarantee company is involved, the final amount is 1. Single amount: the maximum amount of one mortgage150,000, and the maximum mortgage rate is 85%; 2. Loan interest rate: the annualized interest rate is as low as 3.55%; 3. Loan term: The longest loan term is 10 year after interest, and the loan is a 20-year revolving loan with equal principal and interest; 4. Repayment method: interest first, then principal, and equal principal and interest, so as to borrow and repay the loan; 5. Similar
An artificial number: pin296, welcome to consult. Three people agree with this article. What is the maximum loan for real estate mortgage? Generally speaking, the highest mortgage loans for bank real estate are 70% for houses, 60% for villas, and 50% for shops, office buildings and commercial houses. Of course, if the mortgage loan amount of a house in Shanghai is 1, and the mortgage loan amount depends on the property value, then a normal commercial house can borrow up to 70-80% of the property value. If it is a villa, facade, apartment, factory building, you can only borrow about 50%. The cycle of Shanghai real estate mortgage loan can be several years.
This is the end of the introduction of Shanghai real estate mortgage interest and Shanghai real estate mortgage. I wonder if you found the information you need from it?