1. How much can I borrow from the bank with the real estate license? You can borrow about 70% of the appraised value of the house. For example, if your house is worth10 million, you can borrow up to 700,000 yuan.
2. The mortgage loan amount of the real estate license varies according to the nature of the property. If it is a commercial house, you can borrow 70% of the total house price, shops and office buildings can borrow 60% of the total house price, and industrial buildings can only borrow 50% of the total house price as collateral.
3. If you use a house as collateral, you must have a real estate license, and you can borrow about 60% of the value of the house, up to 70%. The interest rate is 5%. If you have a mortgage, it is easier to get a loan.
4. For example, the residential property is valued at 5 million yuan, and 6.5438+0 million loans are still being repaid, with a maximum loan of 2.5 million yuan (70% of 5 million yuan-6.5438+0 million). Mortgage loans have requirements for the age of the house, and the house payment is not charged for more than 30 years, and the commercial house is not charged for more than 20 years. Some require transfer for more than half a year, while others do not.
Can I get a loan after mortgaging the mortgaged house to the bank?
The house with outstanding mortgage can be used for mortgage loan, which is a secondary mortgage of real estate and needs to be applied. Whether the application can be passed depends on the personal situation (related to the borrower's age, repayment ability and salary level, etc.). ); The house used for personal housing in the secondary mortgage must be an existing house.
You can usually apply for two mortgage. If the borrower has all the procedures to mortgage the property, such as house mortgage, then the borrower must have the property certificate of the house. No real estate license can not be used as a secondary mortgage.
The mortgaged house can be mortgaged again, but it must meet the relevant conditions. For example, the borrower must have a legal and valid identity certificate in China, have a stable income and repayment ability, and the loan financing purpose must be appropriate.
Which loan companies are more formal in Beijing?
1. Different types of lightning loans have different limits. Generally, the maximum credit limit does not exceed 300,000 yuan, subject to the loan page.
2. Ping An Bank has a variety of loan products to meet the capital needs of customers. Different loan products have different loan requirements, interest rates and handling procedures.
3. Beijing Yi Rong (Beijing Credit Link) is quite good. Very formal and professional, transparent fees, free consultation.
Housing mortgage loan and other matters
First of all, pay attention to your mortgage type. The type of mortgaged property also determines whether you can successfully apply for a loan to buy a house to some extent.
According to relevant regulations, schools, kindergartens, hospitals and other public welfare facilities, whether belonging to institutions, social organizations or individuals, are not allowed to be mortgaged. Small property houses only have the right to use, and there is no ownership given by the real estate license. Banks naturally do not accept mortgage loans.
First of all, in order not to make a trip in vain, you must prepare your ID card, real estate license and other documents before going to the bank. Sometimes it takes a long time for bank personnel to review the application form. Don't worry, please wait patiently. As long as the content filled in is true, it will generally pass.
Prepare loan information. If you want to apply for a mortgage loan, you must first prepare the mortgage loan information. For example, the original real estate license, original ID card, original land and resources use certificate, original household registration book, marriage certificate, income certificate, etc. If you want to apply for a mortgage loan, you must first prepare these necessary materials.
How to mortgage the house? The owner of the house entrusts the lending institution to handle the loan and hand in the loan documents. Please ask qualified institutions to do a good job in housing evaluation report. Submit application forms to lending institutions, sign loan contracts and agreements, and handle notarization and insurance. The approval of the lending institution.
Need to prepare relevant procedures: loan application, user ID card, household registration book, income certificate, marital status certificate and other materials. Users of mortgage loans need to provide proof of ownership of collateral, while others need to provide good credit records.
Loans overdue problem of first-hand housing mortgage
Through bank loans. Usually, it is necessary to repay the loan in advance, and then mortgage it in other banks after paying off the remaining loan of this property. However, in some banks, mortgage houses can be directly mortgaged. Banks have different requirements for the second loan of mortgage houses. I suggest you consult your local bank outlets in detail.
Because of your poor financial situation and personal credit problems, it is very dangerous to apply for loans frequently, which is likely to make you insolvent and even plunge you into the abyss of debt. Banks generally don't approve second mortgages.
In a few years, you can. First of all, the loan to buy a house can only be applied in the bank. Usually, when you apply for a mortgage in a bank, you need to review personal credit report, bank flow and other information. If there are overdue records in the personal credit report, it is impossible to apply for a loan to buy a house.
The mortgaged property must be unsecured property. If the property is mortgaged or the property is in a mortgaged state, the bank already owns other rights of the property. If the property is mortgaged again, the bank is not allowed. However, some regions and banking institutions can handle this kind of mortgage, but it needs to be evaluated.
This is the end of the introduction about Tongzhou house mortgage loan and where Tongzhou house mortgage cancellation is handled. I wonder if you found the information you need from it?