After the epidemic, the price of second-hand houses dropped by 5%- 10%, and the bank default evaluation price needed to be lowered by 10%. A house valued by the company at 4 million last year is likely to be valued at only about 3.2 million this year. Unlike banks, this kind of thing has almost become the knowledge of the industry.

Solution: Change the evaluation company and apply for re-evaluation. Generally, there are many appraisal companies that choose to cooperate. If one appraisal company is not satisfied with the appraisal price, change to another. Try to communicate and evaluate the company. Make it bigger and brighter, and try to reach a high evaluation price. Change the borrowing bank, or find a professional loan manager to help match the right bank, such as the bank that cooperates with Lide loan guarantee, and the loan can be up to 8.5% of the real estate appraisal.

2. Individuals or companies have high debts.

This is also a common headache for many business managers. Several debts under my account, including business loans, consumer loans and personal credit loans, as well as other debts with more than 80% credit card utilization rate, will lead to the credit line of this real estate mortgage loan being "cut".

Solution: Before handling the loan, pay off other debts, including the last mortgage loan, personal credit loan, bank credit card with excessive credit limit, and ant flower bud recently connected to personal credit information system. Provide more proof of capital and income flow, including time deposit certificate, rent and other labor income;

The housing mortgage loan standard is 1 and the age is 18-55 (some microfinance institutions can accept children or the elderly); The credit line of general housing mortgage loan is 50 ~ 70% of the real estate appraisal price (some banks may increase it); The term of mortgage loan is generally 1 year-10 year (very few banks can take 30 years for customers, but the lender cannot be over 60 years old after the loan is completed);

2. The age of the building is at the end of this year (few banks can do it within 30 years, and most of them have reserved houses, which is easier to review); The loan interest of mortgage loan is generally the benchmark loan interest rate rising10%-20%; There is a certain source of repayment (it is reasonable to prove that it is mainly bank flow, and at least the reasonable monthly income exceeds twice the monthly repayment amount of the mortgage); Personal or business credit information is good (loans overdue should be as little as possible, otherwise banks may find reasons to increase loan interest or not to allocate funds);

3. At this stage, the types of real estate acceptable to banks include commercial and residential buildings, houses, pavements, loan houses, secondary mortgages, hotel apartments, office buildings and other materials (provide more proof of funds). When applying for real estate mortgage loan, my repayment ability is the key factor. Of course, if I can provide proof of funds similar to other real estate, cars, commercial bills, companies, etc. I can further increase the credit line of bank real estate mortgage loan.