1. Loans. Can a person with a market value of 900,000 take a real estate certificate to the bank and get a loan of 500,000? How much interest per month?
This depends on the bank’s specific assessment. Generally speaking, the interest will be very high. Probably between 2-4.
2. The market value of the real estate is 6 million. How much money can I get from a bank loan with the real estate certificate?
Generally, it is 70% of the total appraised value of the property. It also depends on personal conditions. If the operating conditions are better, the limit will be higher. Currently, some commercial banks are targeting the operating conditions of the operating companies, and the credit limit will be higher. , which can give you 9.8% of the total value of the property.
3. Is a market value of more than 60 billion considered a large company?
A market value of 60 billion is considered a large company.
Listed companies with a market value of 60 billion are generally leading companies in the industry, and a valuation of 60 billion ranks within the top 100 in the country.
Among the 4,000 to 5,000 listed companies in my country, only a few dozen can reach a valuation of 60 billion, and the market value of most listed companies is less than 20 billion. Therefore, with a valuation of 60 billion, it is considered one of the top 100 companies in China, and of course it is a big company.
How much can a four- to six-million-dollar property be used to offset a loan?
Bank of China’s personal consumption loans are based on the individual customer’s credit status and the collateral provided by the customer that is approved by our bank. , loan products provided for consumer purposes. If you use a house mortgage, the loan limit is divided into a quota limit and a single payment amount. 1. Quota limit: Personal mortgage consumer loans should be calculated separately from the following two dimensions, and the quota shall be determined based on the lower, and the quota shall not exceed 10 million: 1. If the income level quota period is within one year (inclusive), in principle, It shall not exceed 2 times the annual income of the borrower’s family, and the maximum shall not exceed 3 times the annual income. If the credit period is more than one year, the debt service-to-income ratio of the client's family will be calculated based on the credit period to ensure that the family's monthly income, after deducting the average living cost of local families, can at least cover the monthly principal and interest repayments for all debts of more than one year. 2. Mortgage rate (1) The mortgage rate should meet the following conditions: Housing: if the mortgage is less than 10 years old (inclusive), the maximum mortgage rate shall not exceed 70%; if the mortgage is more than 10 years old and 20 years old (inclusive) If the mortgage is below 20 years old, the mortgage rate shall not exceed 60%; if the mortgage is over 20 years old, the mortgage rate shall not exceed 50%. Commercial housing: If the mortgaged property is less than 10 years old (inclusive), the maximum mortgage rate shall not exceed 50%; if the mortgaged property is more than 10 years old and less than 20 years old (inclusive), the maximum mortgage rate shall not exceed 45%; If the property is over 20 years old, the maximum mortgage rate shall not exceed 40%. Each institution should reasonably evaluate the value of the collateral based on the local market housing price levels, real estate market trends, etc. (2) If it has been mortgaged to our bank according to the previous loan contract, the total amount and the remaining principal of the original loan shall not exceed the mortgage rate determined in the original loan contract. 2. Amount of single payment: The single payment of a personal consumption loan shall not exceed 80% of the funds required as shown in the consumption certification materials. 3. Due to certain differences in various regions, you need to consult the local agency when applying for a loan. Bank of China online customer service: /zim/ Welcome to download Bank of China mobile banking or follow "Bank of China Micro Banking" to handle business. Bank of China online customer service: /zim/ Mobile banking download: /boc15/loginpreloan.html?locale=zh&v=20180518020405613 National student loan: /boc15/studentloan.html?locale=zh&v=20180518020405613 Online credit card application: /ebanking/online/ 201310/t20131024_2567833.html