1. Many people are very concerned about how many loans they can get when they apply for mortgage loans in banks, and they also hope that the higher the loan amount, the better, so that the choice will be wider. However, if the loan amount can not meet their own needs, it is of little significance to apply for loans, and it can not completely solve their financial difficulties.

2. Under normal circumstances, in the mortgage loan, the maximum loanable amount of the borrower is 70% of the appraised value of the house. Bian Xiao tells you a well-known data. For example, the market value of the house you mortgaged is 654.38+0.5 million, and the bank will arrange an evaluation company to evaluate the value of the house when it is mortgaged. Based on all aspects of the house, the final appraisal value submitted by the appraisal company to the bank may only be 6,543,800+0,000. According to 70% of the maximum loan amount, the maximum loan you can get is 700 thousand.

3. But this 700,000 line is not so easy to obtain, provided that you have high economic income, no debt, no overdue credit investigation and excellent quality in other aspects, the bank will reduce your loan ratio.

It is worth noting that if your loan demand exceeds 654.38+0 million, it is not just a high-value house mortgage. The most important thing is that you must have your own company, so that you can get a loan of more than 654.38+0 million.