Housing mortgage loan can reach 60% of the appraised price, and if industrial factory buildings are used as collateral, it can only reach 50% of the appraised price. When the borrower's qualifications and housing conditions meet the requirements of the bank, applying for housing mortgage loan with housing as collateral can reach 70% of the housing appraisal price. If shops, office buildings and office buildings are used as collateral, housing mortgage loans can reach 60% of the assessed price, and if industrial plants are used as collateral, they can only reach 50% of the assessed price. Note that this appraisal price is subject to the appraisal of the appraisal company recognized by the bank.

In addition, if the house is used as collateral to apply for a loan, but if it is for consumer purposes, not for business purposes, that is, there is no business license, usually the amount will not exceed 1 10,000, which is the same in any bank. Unless there is a guarantee company recognized by the bank to provide guarantee, the amount can be increased. If you apply for a loan of more than 6,543,800 yuan in the bank, you must have a company under your own name or the name of your immediate family besides providing collateral.

According to the bank mortgage policy, housing mortgage loans are generally around 70%. There are many factors that affect the mortgage loan amount, such as the age of the mortgaged house, the age of the borrower, the liquidity and liquidity of the real estate, etc. These factors are directly linked to the evaluation of the house and the loan amount. The higher the appraisal value of the mortgaged house, the higher the loan amount. Publicity of housing mortgage loan amount calculation: loan amount = real estate appraisal value * loan amount.

: which houses can't apply for mortgage loans?

1. Older second-hand housing: If you want to apply for a second-hand housing mortgage loan, you must not ignore the age of the house. At present, when many banks make mortgage loans, they have some restrictions on the houses as collateral, which are generally limited to the age and area of the houses. According to the current regulations of most banks on mortgage loans, the average house age is more than 20 years, and the house area is below 50 square meters, so banks will basically not lend.

2. Houses with disputed property rights: Not all houses can apply for bank mortgage loans. For some houses with disputed property rights, it is also impossible to apply for bank mortgage loans. It is common that the property right of the house is not owned by the lender alone. If someone does not agree to mortgage the property right of the house when handling the mortgage loan, then the house may not be mortgaged.

3. Houses with outstanding loans: At present, most people buy houses with loans. When the house is mortgaged for the first time, the bank already owns other rights of the house. Legally speaking, it is impossible for two banks to own other rights of a house at the same time.