1. What factors does the bank loan amount depend on?
(1) Borrower's repayment ability: it mainly refers to the monthly income of the lender, because the monthly income most intuitively reflects the borrower's repayment ability. The relationship between loan amount and monthly income can refer to the following formula: monthly income ≥ monthly mortgage repayment X2.
(2) Housing age: When granting loans, banks will inspect the housing age of the loan house, which is generally 20-25 years, 30 years for loose loans and 65,438+05 or 65,438+00 years for strict loans. For the older the second-hand housing loan amount may be reduced, it can be said that the shorter the housing age, the easier it is to get loans and the larger the amount.
(3) Personal credit: Personal credit can be said to be one of the important criteria for banks to consider borrowers. Good credit information is a prerequisite for obtaining preferential interest rates and loans. Some banks will look at the credit card credit records of borrowers within two years and the loan credit records within five years. Some banks will look at the credit records for a longer period of time, and the requirements are different. Three or six consecutive overdue serious credit reports may lead to loan rejection.
(4) Guarantee ability: Some banks will also check the borrower's payment of medical insurance, endowment insurance, accident insurance and housing accumulation fund, because these can reflect the borrower's repayment ability from the side, among which medical insurance and endowment insurance are more important.
2. How to calculate the loan basis point?
The basis point is 0.0 1%, which is one percent. At present, the newly issued commercial personal housing loans are all based on the LPR of the corresponding period in the latest month (the bonus item can be negative and fixed during the contract period). The central bank's announcement mentioned that the interest rate of the first set of commercial personal housing loans should not be lower than the corresponding term LPR, and the interest rate of the second set of commercial personal housing loans should not be lower than the corresponding term LPR plus 60 basis points.