First, the full amount of real estate mortgage loan should be based on the value of the house to assess the loan amount.
There are advantages and disadvantages between full-scale real estate, such as the location of the house, real estate and so on. Therefore, when doing a comprehensive real estate mortgage loan, we must first conduct a comprehensive evaluation of real estate. General loans can reach 70% to 80% of the value of the mortgaged house, but the specific amount should not only look at the value of the house, but also consider whether the user's credit information is good, so as to judge the loan amount.
Second, the full amount of real estate mortgage can be mortgaged for up to 30 years, but second-hand houses are often only 20 years.
For the lender, it is also for the purpose of investment to take the full amount of real estate as mortgage loan. All investments are not immediate, so 30 years is the time when investment develops steadily and the rate of return reaches its peak. Therefore, the maximum amount of real estate mortgage can reach 30 years to ensure the repayment of the lender, but for the second-hand housing owners, it will be 20 years at most.
Third, the loan amount of different banks is different, and the loan period will be different.
Although most full mortgage loans can reach 70% to 80%, it depends on the credit value of users in banks. After all, each bank has its own operating rules, and its tolerance is also very different. Moreover, the term of full mortgage loan is different, generally speaking, it will not exceed 30 years.
Full mortgage loan of real estate is undoubtedly the best investment method for people who are keen on investment, that is, "Qian Shengqian". Not only can the loan amount be as high as 70% to 80% of the house value, but they can also have plenty of time to repay.