Loan amount: 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower).
What kind of house can't be mortgaged? The mortgaged house must be a house without mortgage and loan. If the house is mortgaged, or the house is still mortgaged, then the bank has other rights, so the lender cannot mortgage the house. Because neither bank can enjoy other rights and interests in the same property.
Partially purchased public housing. In the purchased public houses, it is impossible to apply for mortgage loans in two situations: first, it is impossible to provide purchase contracts or agreements, because some purchase contracts will indicate the preemptive right of houses, and banks cannot obtain other rights, so banks cannot mortgage houses; Second, the purchased public houses cannot provide the listing certificate of the central delivery room. This kind of property can't be traded on the market and can't be operated.
Less than five years of affordable housing. According to the current policy, affordable housing cannot be listed or mortgaged for five years. Demolition of houses is usually considered as affordable housing.
A small property right house without property right certificate. If the occupant does not obtain the property right certificate of the small property right house, he can only have the right to use the house, but not the ownership. If there is no title certificate, such houses cannot be bought or sold in the market, nor can they be mortgaged, let alone mortgaged.
In fact, different banks have different interest rate requirements for housing mortgage. Generally speaking, the longer the loan term, the higher the interest rate and the higher the bank's interest.
Legal basis: Article 412 of the Civil Code stipulates that if the debtor fails to perform his debts due to the mortgage agreed by the parties or is sealed up by the court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgaged property from the date of sealing up, except that the mortgagee has not notified the debtor who should pay off the legal fruits.
The above is a detailed introduction to the loan interest rate of small property houses and the types of houses that cannot apply for housing mortgage loans. To sum up, the mortgage amount is generally 70%, 60% for shops and offices, and 50% for factories.