1. Mortgage loan: loan business through mortgage.
2. Mortgage loan: The borrower is required to provide a certain amount of collateral as the guarantee of the loan to ensure the repayment when the loan expires.
Second, the interest calculation is different.
1. mortgage: the benchmark interest rates for one-year deposits and loans are raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades are adjusted accordingly. Within half a year (including half a year) 5.85, half a year to one year (including one year) 6.3 1, one to three years (including three years) 6.40, three to five years (including five years) 6.65, and more than five years 6.80.
2. Mortgage loan: Lend the funds deposited by the client according to the object, purpose, term, interest rate and amount specified by the client (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.
Third, the loan base is different.
1. Mortgage loan: it has the ability to stabilize employment and income and repay the loan principal and interest on schedule; The actual age of the borrower plus the loan application period shall not exceed 70 years old.
2. Mortgage loan: The loan amount is mainly determined according to the value of collateral. If the loan amount is relatively large, the repayment ability of the lender should also be considered.
Baidu encyclopedia-mortgage loan
Baidu encyclopedia-mortgage loan