A 1: The loan amount is determined according to the appraised value of your house. Generally, the appraised value is 80% of the market value, and the loanable amount is 70% of the appraised value. So the market value of your house is 3.4 million, and you should be able to borrow about 6.5438+0.9 million. The exact value still depends on the evaluation value.

Answer 2: If you borrow 1.9 million yuan, the interest rate in 10 is 6.55%, and the monthly repayment is 2 1622. The five-year interest rate is 6.4%, and the monthly repayment is 37086.5438+0. This interest rate is the benchmark. If you buy a second apartment, the mortgage interest rate will rise by 65438+.

Answer 3: I suggest you find a guarantee company, because the bank is strict with you personally, and the risk of being refused a loan is high, and you can't benchmark the interest rate yourself. Regular guarantee companies and banks have long-term cooperation and preferential treatment.

Answer 4: There are restrictions. If you find your own bank, the actual use is to buy a house. If the bank refuses to lend, the guarantee company will help you solve it.