The popularity of real estate mortgage loans has increased. The slogan says "Interest rates are cheaper than home loans."

1. The popularity of real estate mortgage loans has increased. The slogan says "the interest rate is cheaper than a mortgage"

The property market is deserted, buyers are holding money and waiting, and sellers are cashing out. The time period is stretched. However, some sellers cannot wait passively due to operating capital needs, so the popularity of home mortgage loans has also increased.

"Recently, our company has a relatively rich reserve of housing mortgage financial management projects. If you are interested, you can consider it as soon as possible," a salesperson from a wealth management company that specializes in real estate mortgage financial management business told reporters.

An official from the East China regional branch of a joint-stock bank told reporters that the lowest interest rate for housing mortgage loans can be lower than that of mortgage loans (currently, the mainstream mortgage loan interest rates in various places are 10% higher than the benchmark interest rate). And the time can be up to 30 years.

The property market drags down the demand for "down payment loans"

Home mortgage loans "fill in the blanks"

"If you have spare funds (from 500,000 yuan), we can We will match you with individuals with borrowing needs. The borrower will use real estate within the Sixth Ring Road of Beijing as a mortgage, and then a third-party guarantee company will provide a general guarantee in accordance with Article 28 of the "Guarantee Law". An interest of 1 will be paid monthly, and the annualized interest rate is 12”——The personnel of the above-mentioned wealth management company will send the above-mentioned information from time to time to a cooperation platform focusing on the docking of funds and projects of various financial institutions, and publish it through Moments. Since this year, the frequency of its releases has increased significantly.

The reporter subsequently investigated and learned that the main business of the above-mentioned wealth management company is to match the needs of real estate mortgage financing and investment, and there are many similar institutions or platforms, and there are even third-party platforms that specialize in this products and promote them.

In other words, the B-side of this type of financial products is real estate mortgage loans, and the increased supply of financial management products reflects the active real estate mortgage loan market.

Search with the keyword "housing mortgage" in the search engine, and you can see a large amount of loan promotion information from formal Chinese and foreign banks, small loan companies and other institutions. The mortgage ratio set by most banks is 70%. Fast approval and high loan approval rate are also the main "selling points" of this type of loan. Relatively speaking, the financing scale of tens of millions of yuan is the lending limit of most banks; while small loan companies The promotion advertisement is quite high-profile. A reporter from Securities Daily noticed that some companies boasted that they could increase the mortgage ratio to 90% and the upper limit of loan size to 50 million yuan.

"Nowadays, the approval of purely credit-based consumer loans is indeed stricter, and the quota is also small. If you own a house or a car in Beijing, it is recommended that you increase the collateral," the loan intermediary admitted, "Whether it is Whether it is a consumer loan or a business loan, large capital needs are likely to require the mortgage of real estate. "

Many loan intermediaries also said that during this period, most people are looking for credit loans and trying their best to make money. Nowadays, with a strong wait-and-see atmosphere in the property market and weakened real estate liquidity, mortgage loans have become the choice of many small and micro businesses or individuals in urgent need of working capital. Since the end of last year, housing mortgage loans have been the product that some loan intermediaries are most willing to promote.

Real Estate Mortgage Interest Rates

Actively benchmark home loans

Although they are also home-related loans, there is actually a big gap between home mortgage loans and home loans. House mortgage loan means that the borrower uses real estate (housing, commercial and residential buildings) in the name of a natural person as a mortgage, and applies to the bank for a one-time or recurring RMB loan for consumption or business purposes; the bank provides a certain proportion of the market appraisal price. Determine the mortgage loan amount. A home loan, also known as a housing mortgage loan, refers to a loan issued by a bank to a borrower to purchase a new home for self-use. In other words, the two types of loans correspond to different stages of property ownership changes, and their approval factors and potential risks are also quite different.

However, in order to increase borrowers' market recognition of mortgage loans, some financial institutions take the initiative to "PK" with mortgage loans and promote mortgage loans.

"The maximum credit period is 30 years, and the maximum single use is 20 years. If you apply now, you can enjoy a lower interest rate than a mortgage loan!" A joint-stock bank took the initiative when promoting its home mortgage loan business. Targeted” housing mortgage loans.

However, after in-depth research, a reporter from "Securities Daily" found that the interest rates of home mortgage loans from different financial institutions still vary greatly. Among them, banking financial institutions do provide lower interest rates to high-quality customers; while the interest rates of third parties such as small loan companies are often between 12 and 14.

"We can apply for a mortgage loan for your property. The lender is a bank. If you have good other qualifications, you can apply for a minimum annualized interest rate slightly lower than 5.4. You can apply for a consumer loan to be paid off in 10 years. , the business loan can be repaid in 20 years, and there are many banks to choose from." Ms. Zhang, an employee of the agency company, previously told reporters, "If you do not mortgage the property, the annualized interest rate for the same business may rise to 8."

As the capital cost of third-party institutions such as small loan companies is much higher than that of banks (the funds come from their own funds or financial management), the starting price of monthly interest often reaches 1, or even higher.

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2. Can keywords be used for mortgage loans?

Cannot be used for mortgage loans

3. How to calculate the repayment of a real estate mortgage loan of 150,000 yuan in 8 years

Baidu Keyword: Mortgage Calculator

Set the interest rate the bank gives you

Set the repayment method: equal principal or equal principal and interest

Calculate it yourself!! !