How much is the mortgage interest?
Major banks will have different standards for the interest of mortgage loans with houses. In principle, the mortgage interest rate fluctuates on the benchmark interest rate of bank loans. The interest rate will change with the loan term.
The benchmark interest rate of bank loans is: the loan interest rate of less than one year (including one year), one year to five years (including five years) and more than five years. Not all houses can be mortgaged, but also public welfare houses, hospitals and self-built houses in rural areas. Can't be used as collateral. At the same time, houses under 50 square meters are difficult to mortgage. The smaller the area, the lower the loan amount.
The loan results of the four major state-owned banks, medium-sized commercial banks and private small banks are different due to different lending institutions. Whether the house can be mortgaged, the amount of the loan and its comprehensive evaluation value are still evaluated by professional institutions and certified by legal means.
How much can I borrow from the bank with a real estate license?
Generally speaking, the amount of mortgage loan is different for different mortgaged properties. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%.
The amount of mortgage loan is also directly related to the assets owned by the borrower. The amount of personal income will also be taken into account by banks. If the personal income is low, the bank will consider whether the borrower has enough repayment ability, and then the bank will reduce the loan amount.
The above is the sharing of "how much mortgage interest", I hope it will help everyone!