Under normal circumstances, the man can borrow until he is 65 years old. If the man is 47 years old now, he can get a loan 18 years. If the monthly income is 10000 yuan and the monthly payment is 5,000 yuan, you can apply for a total loan of about 720,000 yuan according to the benchmark interest rate of 65438+2008.

If the personal loan amount is sufficient, the mortgage loan amount is 70% of the appraisal price. (The specific amount varies from bank to bank. If the loan amount is not enough for housing loan, the loan amount shall prevail.

The loan amount depends on the following factors:

1. The amount of bank loan applied for 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. The down payment ratio will be adjusted according to 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. In fact, 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 repayment X2.

3. When the bank issues loans, it will review the age of the loan house. Usually the requirement is 20-25 years, 30 years for a looser house and 15 or 10 years for a stricter house. The older the house, the lower the loan amount for second-hand houses. It may also be said that the shorter the house age, the easier it is to get loans, and the higher the loan amount is than the older the house.

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 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 records for a longer period of time, and the requirements are different. Serious overdue credit reports for three consecutive times and six times in total may lead to loan rejection.