202 1 the benchmark interest rate issued by the central bank is: the interest rate for one year or less is 3.85%; The interest rate for one year to five years (including five years) is 4.65%; More than five years is 4.65%. In addition, the lender will use the mortgaged property for business purposes. According to the policies of major banks and the specific situation of borrowers, the loan interest rate will rise by 0.5% on the basis of the benchmark interest rate. If the lender mortgages the real estate loan to personal consumption, the loan interest rate will generally fluctuate from10% to 30%. 1.202 1 The conditions of house mortgage loan are: 1. Housing mortgage loans need commercial housing, apartments, office buildings or factories as collateral. 2. The actual life of the loan maturity date is generally not more than 65 years. 3. Have a stable work income or other sources of income. 4. Good personal credit reporting ability. 5. In addition, enterprise mortgage loans need to provide enterprise registration information, enterprise processes and financial statements. 2. The repayment method of house mortgage is: 1, with equal principal and interest repayment. The prepayment amount is less than the interest amount, and the later repayment amount is less than the principal amount. This repayment method is suitable for loan applicants with stable income. 2. If the principal is repaid in equal amount, the monthly interest will decrease with the decrease of the principal. The principal and interest paid in the early stage are more, but the total interest paid is relatively less, and the repayment burden is reduced month by month. This repayment method is suitable for applicants with sufficient funds after the loan. 3. One-time repayment of principal and interest. Existing banks stipulate that the loan period is within one year (including one year). Pay the interest first, then the principal. In the early days, only the interest needs to be repaid every month, and finally the principal needs to be repaid. The repayment pressure is relatively minimal. Third, the amount of mortgage loans. Generally speaking, the amount of mortgage loan is different with different mortgaged properties. Under normal circumstances, the mortgage loan for commercial housing can reach 70%, that for shops and office buildings can reach 60%, and that for industrial plants can reach 50%.
Second, 202 1 real estate mortgage bank policy?
Different banks have different housing mortgage loan policies, and the specific policies of the same bank are changing at any time. So in the new year of 20021,what changes have been made in the specific policies of banks for housing mortgage loans? What is the process?
Housing mortgage loan process: as far as policies are concerned, all major banks are preparing some new housing mortgage loan policies, but the real implementation is after the Spring Festival, although some banks have been implementing them since June 5438+ 10. In order to make a good start in the first quarter, the interest rate of housing mortgage loans is set at a very low level, basically reaching the annual interest rate of 3.65%, but the loan period will not be too long. According to the current policies of major branches in Beijing, the specific handling process can basically be summarized into the following seven steps:
The latest policy of housing mortgage loan:
1. Face-to-face signing: prepare four certificates (ID card (if the lender is different from the lender, it must be the same as the borrower or guarantor), household registration book, marriage certificate (marriage certificate or divorce certificate plus divorce agreement or divorce judgment) and household registration book (which can be a full set of copies of household registration book). Business process (personal and company process), company information (copy of business license, account opening permit, official seal). It is best to provide the above information at one time, and some can be supplemented before the final completion.
2. Account: According to the different policies of banks, some banks need the account manager to go to the local house and the underground account of the company's business, while others only need to go to the house. Naturally, some banks open accounts and sign face-to-face at the same time. Some banks need evaluation reports, and some banks don't need evaluation reports according to the statistical data of banks that cooperate with evaluation companies. If it is necessary to interview the appraisal company, the appraisal company will be invited to conduct on-site appraisal on the same day.
3. Final review: the application for mortgage loan requires a contract with upstream and downstream relationship. The account manager of the bank begins to write a paper when all the information is complete, and finally gives it to the bank for final review!
4. Notarization: Bank loans generally require customers to go to the notary office for notarization (some banks do not need notarization, and many people will take advantage of the opportunity to make loans with unclear property division), and some banks will also require borrowers to do compulsory notarization.
5. Arrival: General bank mortgage materials, public documents and loan approval letters are issued together! Such notarization and mortgage often do not conflict, and can generally be carried out at the same time! You give the room book to the bank, and the bank will usually deliver it in batches!
6. Lending: After receiving the notarial certificate and other rights certificates from the Construction Bureau, banks can generally arrange lending within one to three working days! Get the loan contract: the bank will send it to the customer about two working days after the loan is issued, and the customer can also come to get the mortgage loan for five years in person.
Third, the loan policy has changed. Do you know the latest mortgage conditions?
Hello,
Housing mortgage loan:
Housing mortgage loan requires the service life of the house to be within 20 years; Must have strong liquidity. The amount of mortgage loan is 80% of the appraised value of the house. The longest loan period for new house loans is not more than 30 years, and that for second-hand houses is not more than 20 years. The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. "Borrower's age" is generally not more than 70 years old.
Basic conditions for applying for a loan:
1, a natural person with China nationality and full capacity for civil conduct;
2. Hold valid identity documents;
3. Have a stable and legal source of income;
4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;
5. Other conditions stipulated by the bank.
Loan amount and term:
1, and the highest mortgage rate of commercial housing can reach 80%;
2. The mortgage rate of office buildings and shops can reach up to 60%;
3. The mortgage rate of industrial plants can reach up to 50%;
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.
Operation process of real estate mortgage registration:
Time limit for real estate mortgage loan registration: 7 working days
The following documents are required:
1, house ownership certificate;
2. Evaluation report;
3. Real estate mortgage bank loan contract;
4. Mortgagor's ID card (leave an ID card that is verified with the original);
5. Other relevant materials.
Handling process: acceptance of registration 1 day, 2 days of preliminary examination, 3 days of review 1 day, 3 days of approval, replacement of certificate 1 day, payment 1 day, and filing.
4. Jiangsu Rural Commercial Bank's real estate mortgage loan policy?
The mortgage loan conditions of rural commercial banks are as follows
1. The applicant has valid identification.
2. The lender has personal assets recognized by the bank as mortgage or pledge.
A natural person with full civil capacity.
4. Good reputation in the bank and willingness to repay.
5. The lender has a stable job and income and repayment ability.