Real estate license loan, the loan amount is at most 70% of the house valuation. The real estate license loan is a mortgage loan. Although you can apply for a loan, if you want to apply for a loan through the real estate license, you must obtain the consent of the holder and the owner and handle it together. In addition to the value of the house, the loan amount is also closely related to your repayment ability and credit history. The bank decides the loan amount according to your repayment ability.

Before determining the amount of mortgage loan, it is necessary to evaluate the house price. This appraisal is conducted by a professional appraisal company, and there are many factors that affect the appraisal value, such as location, age, area, old and new degree, etc. With the appraisal price, banks will generally mortgage 70% of the appraisal value, that is, you can borrow up to 70% of the house value.

There are many factors that affect the evaluation value of houses, and banks pay more attention to the age of houses. For example, Bank of China stipulates that 70% of the appraised value is less than 3 years, 60% is within 3-5 years, 50% is within 5- 10 years, and 40% is within 10 years.