The loanable amount of mortgage loan is generally about 70% of the lowest value of the same type of property. Generally speaking, for different mortgaged properties, the amount of mortgage loan is different, and the amount of mortgage loan is also directly related to the assets owned by the borrower. If you have only one property, you can only borrow half of the value of real estate assessment, and if you have multiple properties, you can borrow 70-80% of the value of real estate assessment.
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The mortgaged property must have surplus value. Whether it is a property that is being repaid in installments, a property purchased in full, or a mortgage loan, the property must have residual value when applying for a mortgage loan.
The interest rate of real estate mortgage loan is diversified. The bank has the lowest interest rate, but it takes a long time to review. Other institutions lend faster, but the interest rate is higher.
The loan ratio is diversified. Most of them are divided into real estate, such as houses, commercial houses, office buildings and villas. And the loan ratio is completely different.
People's Daily Online-The balance of real estate loans decreased for 6.5438+04 consecutive months.