1. Generally speaking, the mortgage loan amount is different for different mortgaged properties. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%.

2. It is pointed out that there are many factors that affect the amount of housing mortgage loan. The evaluation of real estate is an important factor affecting the amount of mortgage loan, among which the main reasons affecting the evaluation value of real estate are type, orientation, location, year of construction, floor and so on.

3. The mortgage loan limit is also directly related to the assets owned by the borrower. If there is only one property, so much can only be loaned to half of the value of real estate assessment; If you have multiple properties, you can borrow 70-80% of the value of real estate assessment.

The amount of personal income will also be taken into account by banks. If the personal income is low, the bank will consider whether the borrower has enough repayment ability, and then the bank will reduce the loan amount.