Many people generally think of mortgage loans with their houses when they have great capital needs. After all, the value of the house is still relatively high, and it is more secure for the loan bank to apply for a loan as a mortgage. So how much can a mortgage loan be?

How much can a mortgage loan have?

The amount of mortgage loan is determined according to the evaluation price, which can generally reach about 70% of the evaluation price. However, in the actual loan process, the loan amount will change, because the mortgage loan amount is affected by the following factors:

1, the realization of houses is different. The houses mortgaged by house mortgage loans have relatively high liquidity, and the higher the liquidity, the higher the loanable amount;

2. The amount varies with the age of the room. Generally, the house age is less than 20 years, and the new mortgage loan amount is higher;

3. Housing area. The basic required area of housing mortgage loan shall not be less than 50 square meters. The larger the area, the lower the loan amount.

4, the choice of lending institutions is different, such as banks, banks have different regulations on the amount of housing mortgage loans, such as Ping An Bank's "real estate mortgage consumer loans", the maximum loan amount is 75% of the real estate appraisal value; CITIC Bank's "housing loan" stipulates that the maximum loan amount is 90% of the real estate appraisal value; According to the "personal consumption loan" of Shanghai Pudong Development Bank, the maximum loan amount is 100% of the real estate appraisal value. If it is handled in a loan company, the loan amount will be higher for applicants with excellent qualifications.

What conditions do individuals need to meet when applying for a loan?

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.

2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.

3. Have a good credit record and willingness to repay, and no bad credit record.

4. It can provide legal, effective and reliable guarantees recognized by banks.

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

6. Other conditions stipulated by the bank.

That's all. I hope it helps you.