If the personal loan amount is sufficient, the mortgage loan amount is 70% of the appraisal price. (The exact amount varies from bank to bank. If the loan amount is insufficient to handle the housing loan, the loan amount shall prevail. The loan amount depends on the following factors:

1. Due to the influence of the down payment ratio, the amount of bank loan applied for usually cannot exceed the difference between the total house price and the down payment. The down payment ratio will be adjusted according to the situation of the property market. Restricted cities and non-restricted cities will be different, and different banks in the same area may be different. It is recommended that buyers fully understand the bank mortgage policy of the place where they buy the house and choose a suitable bank to apply for a loan.

2. The repayment ability mainly refers to the monthly income of the lender, because the monthly income directly reflects the repayment ability of the borrower. The relationship between loan amount and monthly income can refer to the following formula: monthly income ≥ monthly mortgage payment X2.

When the bank issues a loan, it will check the age of the loan house. Usually, the requirement is 20-25 years, while the requirement for looser houses is 30 years, while the requirement for stricter houses is only 65,438+05 or 65,438+00 years. The loan amount of second-hand houses with older houses may be reduced. Under strict bank conditions, the loan will be refused. It can be said that the shorter the house age, the easier it is to get a loan, and the loan amount is higher than that of a house with a longer house age.

4. Personal credit information can be said to be one of the important criteria for banks to consider borrowers. Good credit information is a prerequisite for obtaining preferential interest rates and loans. Some banks will check the borrower's credit card credit information records in two years and loan credit information records in five years. Some banks will check the credit information records for a longer period of time, and the requirements will be different. Serious credit information that is overdue for three consecutive times and accumulated for six times may lead to loan rejection.

How many years can a bank loan buy a house?

1. The question of how many years the mortgage loan is suitable cannot be generalized, but should be discussed according to the different income and economic situation of the buyers. Generally speaking, the longer the loan term, the less the monthly repayment amount; The shorter the loan period, the higher the monthly repayment amount.

2. If the lender's income is stable and relatively high, it is suitable to choose short-term loans. The shorter the time, the less interest. For people whose high income is only for temporary turnover, this can save a lot of mortgage interest. For people with unstable income or low income, considering their own income problems, it is more cost-effective to lengthen their life. Although the choice of mortgage period is closely related to the economic strength of buyers, there are different mysteries in the eyes of experts.

3. Based on the current mortgage interest rate, under normal circumstances, it is generally recommended that buyers choose the repayment period of 15-20 years, so the total interest paid is relatively reasonable.