The amount of bank loan application is affected by the down payment ratio of the loan, and usually cannot exceed the difference between the total house price and the down payment.

2. The borrower's repayment ability

The repayment ability mentioned here mainly refers to the monthly income of the lender, because the monthly income most intuitively 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 repayment X2.

3. Age of the house

When issuing loans, banks will examine the age of the loan. Usually, the requirement is 20-25 years, the looser one will require 30 years, and the stricter one is only 15 or 10 years. Older second-hand housing loans may be reduced, and banks will simply refuse loans when they encounter strictness. It can be said that the younger the house, the easier it is to get a loan, and the loan amount is higher than that of the older one.

4. Personal credit information

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 look at the credit card credit records of borrowers within two years and the loan credit records within five years. Some banks will look at the credit information for a longer period of time, and the requirements are different. Three consecutive overdue and six serious credit reports may lead to loan rejection.

5. Support ability

Some banks will also examine the borrower's payment of medical insurance, endowment insurance, accidental injury insurance and housing provident fund, because these can reflect the borrower's repayment ability from the side, among which medical insurance and endowment insurance are more important.