First, the amount of the second mortgage of the house.

1, loan amount = house value * mortgage rate-original loan principal balance.

2. The value of the house is compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, whichever is lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%.

Second, the conditions for the first loan of individual housing

1, with legal status;

2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;

3. There is a legal and effective purchase contract;

4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

5. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years;

6. Being able to provide effective guarantee recognized by the loan bank;

7. Other conditions stipulated by the lending bank.

Four, the amount and duration of the first loan for individual housing.

Loan amount: up to 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);

Loan Term: Generally, the longest loan term is no more than 30 years.