Mortgage, the age of the house can not exceed 20 years. The housing area should not be less than 50 square meters.

The lender is under 60 years old for men and 55 years old for women.

The house appraisal fee is six thousandths of the house price.

Second, the real estate mortgage loan appraisal fee

The house can be mortgaged to the bank, which is also a lot of human feelings in life. Before the house is mortgaged, professionals need to evaluate the house to determine its value. Then, the house has more knowledge. Welcome to browse. 1. According to the relevant regulations of the Price Bureau, the current appraisal fee is charged at a progressive rate, as follows: 1, and the total house price is less than 1 ten thousand yuan (including 0.42% of the total appraisal price). 2, 1 10,000 yuan to 5 million yuan (including 5 million yuan) progressive billing rate is 0.3%. 3, 5 million yuan to 20 million yuan to assess the collection of 0 million yuan to 50 million yuan (including 0.06% of the total price) 5. 5, more than 50 million yuan 12%. Judging from the current situation, the fees charged by various assessment agencies are different. The general appraisal fee is one-fifth of the real estate appraisal, which varies according to the location and age of the house. In addition, the distance between mortgage evaluation agencies is also related. In general, the farther the distance, the higher the value of collateral and the higher the evaluation fee. There are many, such as property type, structure, level, orientation, indoor clear height, studio, building year, area, room type, lighting, kitchen and bathroom size, building quality, elevator exterior decoration and environment, greening, humanities, transportation, living popularity, plot ratio of residential quarters, regional planning, etc. These are all things that buyers need to consider. First, the age of the house directly affects whether the buyer likes it or not, and the house has entered a depreciation period since its completion. During the period of building depreciation, the building depreciation life of brick-concrete structure is generally 50 years. Second, in the apartment market, Zhongju is more popular with buyers, and the evaluation price will be higher; Or the apartment is too small and the apartment is too big, which will make the house price drop a lot. Third, the quality of the floor will also directly affect the level of housing prices. The house in the middle of the stairs will be relatively expensive, but if there is an outdoor garden on the ground floor or a roof garden on the top floor, the price may be higher. Fourth, the location If the location of the house is good, such as supporting in or around the core area of the city, the evaluation price is naturally higher. 5. The living environment of the community will be inferior to the layout, facilities, greening, sports facilities and the appearance of the house, which needs comprehensive consideration.

Third, how long can the mortgage come down?

Mortgage is a good way for people who need money badly. Then the question is coming, how long will the mortgage come down? What is the process of real estate mortgage loan? Don't worry, if you are still confused about this, you might as well come with me to learn about real estate mortgage.

How long can the mortgage loan come down?

If your information is complete, the approval time is about 15 working days. Under normal circumstances, a house is mortgaged, and the time for different institutions to approve loans is different. Because the loan bank has high requirements for borrowers, complicated procedures and long processing time. Because it involves steps such as evaluation and mortgage registration, the situation of each customer will be different. Of course, please contact the handling network directly to confirm.

Real estate mortgage loan handling process

Step 1: Choose a lending institution.

Before applying for a loan, we must first choose a good lending institution, but the review speed is slow. In addition, you can also choose private lending, although the interest rate is relatively high, but the audit speed is faster. The specific choice depends on the actual situation of the individual.

Step 2: Submit the application.

After selecting the loan institution, bring the relevant materials and apply to the relevant institution.

Application materials:

1. Identity documents, household registration books and marriage certificates of the borrower and its spouse. If you are single, you need to show your single certificate;

2. Personal income certificate;

3. Certificate or statement of loan use;

4. Proof of ownership of mortgaged property;

5. Other documents stipulated by the lending institution.

Step 3: Preliminary review

Relevant departments will conduct a preliminary review of the materials submitted by the borrower, and those that meet the requirements can enter the next step.

Step 4: Real estate appraisal

After the first trial is passed, the bank requires the designated appraisal agency to appraise the real estate, and collects the appraisal fee, which is generally around 0.3%-0.5%.

Step 5: Review the loan.

The lending institution will conduct a second audit according to the above submitted materials. After approval, the lending institution will inform you of the loan amount, interest rate, term and repayment method.

Step 6: Sign the contract.

After the above steps are completed, sign the contract. Contracts include loan contracts and mortgage contracts. Some institutions also need notarization and a certain fee, which is generally about 1% of the house value.

Step 7: Apply for mortgage registration.

After signing the contract, you can go to the local housing authority for mortgage registration. The premise is to prepare these materials:

1, the applicant's identity certificate and marital status certificate;

2. Application for housing registration;

3. Property ownership certificate or property ownership certificate;

4. State-owned land use certificate;

5. Mortgage contract and principal creditor's rights contract;

6. Other necessary materials.

Step 8: Buy insurance.

In addition, it should be noted that some banks will require borrowers to purchase mortgage insurance.

Step 9: borrow money

After the lending institution receives the house ownership certificate, even if the loan is completed, the lending institution will lend money within the specified working days.

Editor's summary: After reading the above introduction, I believe everyone has a further understanding of the term of real estate mortgage loan and the process of handling real estate mortgage loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

4. How long does it take to get a mortgage loan in real estate assessment?

It usually takes 3-7 days. Under special circumstances, you can also get the evaluation report on the same day.

Pay attention to two points at the same time:

1. Note that the charging standard of appraisal fee is 0.5%, that is, 0.5%, which can be negotiated at a small price;

2. Some banks have designated assessment agencies, and the assessment reports of other assessment agencies are not recognized in some banks.