Is Shijiazhuang real estate mortgage easy to handle? What is the interest rate?

My name is my contact information. What's the mortgage interest rate? 1. Bank loan: The borrower applies for mortgage loan in the bank with the purchased house as mortgage or pledge, and the bank must issue a house purchase and sale contract, a house mortgage agreement, a house mortgage loan contract, etc. when applying for mortgage loan; The annual interest rate starts from 4.9%. 2. Trust loan: Trust real estate mortgage loan refers to that the trustee accepts the entrustment of the client, and issues the loan 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 trust loan. The interest rate plus fees is generally around 18%. 3. Pawn loan: Pawn property mortgage loan refers to the act that the pawnbroker mortgages his property to the pawnshop, pays a certain percentage of fees and interest, obtains pawnbroker's interest and fees, repays pawnbroker's money and redeems pawnbroker's property within the agreed time limit. The combined interest and other comprehensive expenses is about 3% per month. 4. Five-color soil loan: the borrower mortgages the property in the name of the lender (natural person), and the lender directly hands over the funds to the borrower, and the borrower repays the principal and pays the risk rating mark interest according to the agreement. If the borrower fails to perform the due debt, the lender has the priority to be compensated for the real estate. Wuse Soil is responsible for the risk management of mortgage loan, pre-loan risk rating and post-loan litigation execution. The general annualized interest rate plus fees is about 18%. How to calculate the interest of real estate mortgage loan? The mortgage loan of real estate refers to the loan that the borrower uses his own or a third party's property (including houses, offices, shops, factories, etc.) as collateral for personal comprehensive consumption and repays by mortgage. The interest rate of real estate mortgage loan refers to the price paid by the borrower to the borrowed funds, and it is also the return obtained by the lender when lending to the borrower. The interest rate of real estate mortgage loan is usually calculated by the percentage of one-year interest to principal. 1. Short-term loans within six months (including six months) 5.1 Six months to one year (including one year) 5.562, medium-and long-term loans for one to three years (including three years) 5.6 Three to five years (including five years) 5.96 Five years or more 6.14 If your loan time is not long, you can set the benchmark interest rate. If it takes a long time, the interest rate may rise by about 1%, depending on your qualifications. 3. The mortgage loan requires that the life of the house be within 2 years; The area of the house should be more than 5 square meters; Houses should have strong liquidity: secondly, the value of real estate mortgage loan: the amount of housing mortgage loan is 7% of the appraised value of the house. Then the loan period of real estate mortgage loan: the loan period of new house loan is not more than 3 years, and the second-hand house loan is not more than 2 years. 4. The implementation of mortgage interest rates in commercial banks is different, and the specific interest rate is comprehensively determined according to the borrower's credit status, professional nature, repayment ability and other factors. If the borrower's personal qualifications are good, the loan interest rate obtained is low; On the other hand, if the borrower has overdue repayment, the loan interest rate obtained is also high.