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When we take out a mortgage loan on a property, many times the amount cannot reach our ideal amount or the interest rate is very high. Therefore, when applying for a real estate mortgage loan, you need to pay constant attention to the conditions and policies of the loan, because the policies are related to whether your loan can proceed smoothly. So what are the 2018 real estate mortgage loan policies? The editor will introduce it to you in detail below!\r\n2018 real estate mortgage loan policies\r\n1. The age of the applicant for the loan must be between 18-55 years old;\r\n2. For house mortgages, the mortgage amount is 50% to 70% of the appraised price of the property;\r\n3. The maximum age of the house is 20 years, and it is easier to be approved if there is a spare house;\r\n4. The maximum period of the real estate mortgage loan is 30 years year;\r\n5. The interest rate for mortgage loans is generally 10-20% higher than the base interest rate;\r\n6. The credit of the individual or company must be good. \r\nThe real estate mortgage loan policy will have these three considerations:\r\n1. Consider the liquidity\r\nIn the future, housing mortgage loan institutions will have stricter assessment of collateral, and the collateral needs to be of good quality. In terms of liquidity, those collaterals that are difficult to liquidate or have poor liquidity are very likely to be rejected. For example: Xiao Ming and Xiao Li apply for a mortgage loan from the bank at the same time. Xiao Ming owns a two-bedroom house in a good location in the city center with an estimated value of 1 million; Xiaoli owns a large bedroom in the suburbs with an estimated value of 2 million. Then there is no doubt that Xiao Ming's loan rate will be approved faster. \r\n2. Evaluate dynamic risks\r\nLending institutions are currently taking a more cautious attitude towards collateral. For example, they will take more cautious measures on the attributes, property rights, and evaluation of collateral, and at the same time dynamically assess the value of collateral. and risks. \r\n3. Consider the lender's repayment ability\r\nComprehensively evaluate the lender's comprehensive ability. That is to say, you can't get a loan just because you have the loan property. The bank will consider your credit and other factors. Detailed risk analysis is carried out on running accounts, and loan assessments are becoming more and more stringent. \r\nEditor's summary: The above is an introduction to the 2018 real estate mortgage loan policy. I hope it will be helpful to you on your loan journey. For friends who want to get a loan, it is recommended that your credit must be maintained well, otherwise it will be difficult to get a loan. of.

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