The mortgage rate of mortgage loan depends on or is based on the appraised price of collateral. With real estate mortgage loans, the mortgage rate shall not exceed 70%; Mortgaged by means of transportation, general mechanical equipment and tools, the mortgage rate shall not exceed 60%; With special machinery and equipment and tools, intangible assets (including land use rights) and other property mortgage, the mortgage rate shall not exceed 50%.
Loans refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. Handling mortgage consumption business has become an inevitable choice for some consumers. Qian Lin, vice president of Chain Home Real Estate, reminded consumers that in addition to choosing ordinary mortgage consumer loans, they can also choose different special types of loan products according to their personal circumstances: weak monthly repayment ability; suitable for replacing mortgages.
Replaceable mortgage can extend the loan life to 30 years, which is different from the 20-year period of ordinary mortgage consumer loans. Share the pressure of monthly repayment, suitable for young people with weak monthly repayment ability. High repayment amount: suitable for net worth loans. Some property buyers borrowed more money temporarily to raise money to buy a house, so the repayment amount was higher. When making mortgage consumption, they need a higher amount of loans to be able to repay temporary loans. In this case, it is suitable to choose a net worth loan. The maximum loan ratio of this product can reach 80%, and the mortgaged property is required to be less than 90 square meters within five years. Those with unstable monthly payment capacity: suitable for revolving loans. Because mortgage consumer loans are often audited for the real estate itself, revolving loans are a better choice for some people with unstable monthly income and repayment ability, that is, mortgage the house to the bank, and you can get a certain loan amount, which can be withdrawn in installments and recycled during the mortgage period of the real estate. This will ensure that you have some "spare money" in your hand.
How to calculate the loan mortgage rate
Calculation of loan mortgage rate: the loan mortgage rate is the ratio of the sum of mortgage principal and interest to the assessed value of collateral. If the housing loan is 800,000 yuan, the housing valuation is 6,543,800 yuan, and the mortgage rate is 80%. Reasonable determination of mortgage interest rate is an important content of mortgage management. The calculation formula is: the mortgage rate is equal to the sum of the loan principal and interest divided by the collateral valuation multiplied by 100%. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
How to calculate the mortgage interest rate
The mortgage rate of mortgage loan depends on two aspects: the evaluation price of collateral and the evaluation price based on collateral. Generally speaking, with real estate mortgage loans, the mortgage rate shall not exceed 70%; Mortgaged by means of transportation, general mechanical equipment and tools, the mortgage rate shall not exceed 60%; With special machinery and equipment and tools, intangible assets (including land use rights) and other property mortgage, the mortgage rate shall not exceed 50%. The order of mortgage rate is generally: marketable securities (excluding stocks), current assets, real estate, other fixed assets and intangible assets. China has the highest mortgage rate, reaching around 90%.
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1. When handling mortgage loans in banks, borrowers are most worried about two issues, one is whether the loans can be handled smoothly, and the other is how much they can borrow. Mortgage loans are easier to handle than credit loans. The actual amount of the loan depends on the actual value of the collateral at that time and the bank's expectation of the collateral in the future. Generally, the actual amount will be less than the market value of the collateral, and its ratio is the mortgage rate.
2. Article 394 of the Civil Code In order to guarantee the performance of the debt, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
3. The mortgage rate is mainly based on:
① The collateral has strong applicability, and the liquidity of the collateral is judged according to the applicability. If the liquidity is poor, the mortgage interest rate should be appropriately reduced. ② The change of collateral value can be seen from the following aspects.
(3) depreciation caused by substantial depreciation, wear and tear and natural loss.
(4) Functional devaluation, which is caused by backward technology.
⑤ Economic depreciation and appreciation, and depreciation and appreciation caused by changes in external environment. Banks should analyze the liquidity of collateral according to the assessed present value, fully consider the changing trend of collateral value, and scientifically determine the mortgage rate.
This is the equipment loan mortgage rate and equipment loan mortgage rate introduced at the end of the year. I wonder if you found the information you need from it?