House mortgage loans are a relatively good financing channel. Many individuals and companies have obtained funds through this loan. Next, we will briefly introduce to you how much you can borrow with a house mortgage loan.
Generally speaking, the mortgage loan amount is different depending on the mortgaged property. Under normal circumstances, the mortgage rate of commercial residential buildings can reach 70%, while the mortgage rate of shops and office buildings can reach 60%, and the mortgage rate of industrial plants can reach 50%.
Experts point out that there are many factors that affect the amount of a house mortgage loan. The appraised value of a property is an important factor that directly affects how much money can be borrowed for a home mortgage loan. The factors that affect the appraised value of the property mainly include the type of house, the area of ??the house, the orientation, the location, the year of construction, the floor, etc.
The housing mortgage loan limit is also directly related to the assets owned by the borrower. If there is only one property, you can only borrow up to half of the appraised value of the property; if there are multiple properties, Then you can borrow 70% to 80% of the appraised value of the property.
Personal income will also be considered by the bank as a loan factor. If the personal income is low, the bank will consider whether the borrower has sufficient repayment ability, and the bank will reduce the loan amount. Quota.
Information required for personal housing mortgage loan:
1. Valid ID card and household registration book of the borrower;
2. Proof of marital status, if unmarried Provide a certificate of unmarried status, and if divorced, a court civil mediation letter or divorce certificate (indicating that you have not remarried after divorce);
3. If you are married, you must provide your spouse’s valid ID card, household register and marriage certificate;
4. Proof of income of the borrower (certificate of salary income for six consecutive months or local tax certificate);
5. Property ownership certificate of the real estate;
6. Guarantor (need to provide ID card, household register, marriage certificate, etc.)
Loan amount assessment mortgage loan
Notes:
1. You must have collateral to get a loan, and the sum of the loan amount and interest during the loan period cannot exceed one-half of the assessed value of the collateral;
2. Have a long-term and stable source of income that is sufficient to pay the monthly loan principal and interest;
3. Guarantor;
The loan requires payment of lawyer witness fees, mortgage registration fees, mortgage property insurance premiums, property appraisal fees, etc. Generally, the loan takes about 1 month.
Knowledge expansion:
Information required for corporate housing mortgage loans:
1. Original and copy of business license
2. Organizational structure Original code certificate
3. Tax registration certificate
4. Basic account opening license
5. Loan card
6. Company Articles of Association
7. Legal person ID card and ID card of other shareholders of the company
8. Corporate bank statement (last three months)
9. Financials of the previous year Reports, financial statements for the past three months
10. Board resolutions
11. Introduction to the company and explanation of funds used
The above is what we have shared with you about How much money can be borrowed for a home mortgage loan and the materials required for the loan. How much you can borrow with a home mortgage loan is affected by many factors, and different banks have different regulations on the maximum loan limit. Therefore, if you want to know how much you can borrow with a home mortgage loan, you must go to the bank for detailed information on your specific situation. consult.
(The above answers were published on 2017-01-17, please refer to the actual relevant current house purchase policies)
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