There are many factors that affect the amount of housing mortgage loan. 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%. 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.

Second, how about a loan in Zhengzhou?

If you have real estate as collateral, you can get a loan. Need to provide ID card, household registration book, marriage certificate, real estate license, income certificate and bank account number.

3. Does the withdrawal of provident fund by Zheng Hao Office indicate that it does not meet the requirements?

The provident fund does not meet the conditions for withdrawal, but it is conditional that the provident fund cannot be withdrawn casually. In any of the following circumstances, employees can withdraw the provident fund.

Purchase, construction, renovation and overhaul of owner-occupied housing; 2. Retired; 3. Completely lose the ability to work and terminate the labor relationship with the unit; 4. Settle abroad; Repay the principal and interest of the house purchase loan; (6) the rent exceeds the prescribed proportion of family wage income;

7. Terminate the labor relationship with the unit and move out of the city;

8. Employees who are not registered in this Municipality terminate their labor relations with their units, and are not employed in this Municipality and leave this Municipality;

Nine workers enjoy the minimum living guarantee in cities and towns;

10 employees partially lost their ability to work, which caused serious difficulties in their lives. 1 1 employees suffered from special diseases stipulated by the Fujian Provincial Department of Labor and Social Security, which caused serious difficulties in their family lives.

4. What conditions can Bank of Zhengzhou Zheng Hao Branch apply for a loan?

A natural person with People's Republic of China (PRC) nationality and full capacity for civil conduct shall hold a valid identity document. Loan amount and term in Bank of Zhengzhou: 1, and the mortgage rate of commercial housing can reach 80% at the highest. 2. The mortgage rate of office buildings and shops can reach up to 60%. 3. The mortgage rate of industrial plants can reach up to 50%. 4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.