If the property under the lender's name meets the requirements of the bank for collateral, you can use the house as collateral and then apply for a mortgage loan in the bank. Generally speaking, if shops, office buildings, office buildings and other properties are used as collateral, the lender can get about 60% of the assessed price after comprehensive evaluation by the bank.

If the lender uses his own house as collateral, the bank will generally give more than 70% of the evaluation price. If the lender uses industrial buildings and other houses as collateral, the bank will generally only give about 50% of the evaluation price.

In addition, we need to remind everyone that the estimated amount given by the lender's own appraisal company is invalid. The appraisal price of the appraisal company approved by the bank shall prevail. If the lender applies for a loan with the house as collateral, if it is for consumer purposes, the amount shall not exceed 1 10,000.

That is to say, if the house under the lender's name is worth 5 million yuan and the lender applies for a mortgage loan, if the purpose is consumption, then the bank will give a loan amount of 6.5438+0 million at most. If the lender is used for business purposes or other purposes, it can generally apply for a loan amount of about 3.5 million.

This is Chen Cheng from Hangzhou Bank. I hope my answer can help you.

How to handle personal loans from banks? How much can I borrow?

I. Application conditions

Conditions for applying for personal loans:

First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Second, the application procedure

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

To apply for a personal credit loan from a bank, you only need the loan applicant to have a stable job and income. The general loan amount is between 654.38+0,000-500,000, and the longest loan period is 5 years. Usually, the loan can be released within 1 working days after the data approved by the bank, which is a fast loan scheme with no mortgage and simple operation.

Extended data

Loan cost:

(1) lawyer examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.

(2) notarization fee. If the loan applicant is a husband and wife or a house buyer, others should make a statement whether they agree to mortgage the house to the bank, which needs notarization.

(3) Property registration fee. After the property buyers get the real estate license, they should go to the registration authority for mortgage registration and pay the registration fee.

(4) insurance premium. When applying for a mortgage loan, the borrower shall handle property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the lending bank. The property insurance rates of different insurance companies are slightly different. The notarization fee, mortgage registration fee, insurance fee, certification fee, evaluation fee, deed tax, stamp duty and other related taxes and fees involved in obtaining loans from banks shall be borne by you.