Sometimes people need money badly in an emergency, but when they can't get together for a while, most people will choose mortgage, but how much can they borrow for their own house? This also depends on the actual situation of the house. Many people don't know how the amount is calculated. Today, Bian Xiao will introduce how many mortgage loans can be borrowed. Mortgage calculator? I hope that after reading it, you can clearly understand your real estate pricing.

How much can I borrow from my mortgage?

1. The amount of mortgage loan is related to many factors, such as the age of the house, the age of the borrower, the liquidity and liquidity of the real estate, etc. In short, all these will affect the evaluation of real estate and the loan ratio. The higher the assessed value of real estate and loans, the more money you can borrow. The appraised value of real estate and the loan ratio will affect the loan amount of the house.

2. Calculation formula of housing mortgage loan amount: loan amount = real estate appraisal value × loan ratio.

3. The age of real estate has become the audit standard for many banks to issue loans. Under normal circumstances, the longer the house is, the smaller the room for housing preservation, the lower the proportion of loans approved, and even loans may not be obtained. For remote and small houses, the loan ratio is usually low. Because of its remote location, small area and poor liquidity, the loan ratio is low, and it may even be impossible to obtain a loan.

Generally speaking, there is no fixed amount of mortgage loan. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what you think, and it must be evaluated by a professional organization.

5. It depends on the specific situation of your house, such as year and region. , property rights issues and so on. Occasionally I will look at your personal conditions, such as repayment ability and personal credit limit.