The real estate market in Changsha has been developing healthily and steadily, and the average price of housing prices has been maintained at an average price of about 10,000 per square meter, which is inseparable from good policy control. Xiaobian is a real estate mortgage service in Changsha, today we will talk about what is the new policy of real estate mortgage in Changsha in 2022? Which bank has a low interest rate?
1. What is the new policy for real estate mortgage loans in Changsha?
This year, Changsha has a new house policy, and the new policy is that the house can be transferred with a mortgage. For example, the name change of husband and wife, the replacement of certificates, inheritance certificates and the sale and purchase of second-hand houses, the homeowner can carry out the transaction as long as the mortgagee is passed, which is simplified from the process, and the mortgage is still on the collateral after the transfer.
Changsha real estate mortgage
But here's the problem, if a friend urgently needs funds to find you to turnover, and wants to mortgage the house to you to borrow money, then in principle, he only needs to notify the house to trade again, so aren't you very unsafe? Therefore, when the bank signs the mortgage contract, you can note that the mortgaged house is responsible for the transfer, and register it in the real estate center, so that without your permission, the house cannot be transferred to ensure your safety.
Changsha real estate mortgage
2. Which bank has a low interest rate for real estate mortgage loans in Changsha?
The bank with the lowest mortgage interest rate in Changsha is Industrial and Commercial Bank of China. The monthly interest rate of ICBC's mortgage loan is 3.2%, which is equivalent to an annualized interest rate of 3.85%, so it is the bank with the lowest interest rate in Changsha.
Changsha real estate mortgage
There are dozens of banks in Changsha that make mortgages, and the interest rate of China's state-owned banks is the lowest, but its requirements are high and the amount is low, and the local banks have relatively high limits, but the interest rate is higher than that of the five major banks. Joint-stock banks are based on between, so I personally think that not every bank can meet your needs, there is a give-and-take, when choosing a bank, you must first think about it, do you value the amount or interest, or this repayment method? After thinking about it, decide which bank to apply for, in fact, there is no best bank, only this is the right bank for you, do you say?
