How much loan a house can mortgage depends mainly on the appraised value of the house itself. At present, banks have higher requirements for mortgage loans, up to 70% of the assessed value. Under normal circumstances, commercial housing, that is, the purchased new house, is mortgaged, and the loan amount is 70% of the estimated amount. If shops or office buildings are mortgaged, the mortgage amount is 60% of the estimated amount, and the mortgage rate of industrial plants will be lower, at around 50%. The loan amount is given by the housing appraisal agency, which is mainly related to the value of the house itself. For example, the price of the more common second-hand houses in the market will be lower than that of the new houses, because the estimated amount of the second-hand houses will be greatly reduced after living for a period of time, even though some houses are older, and according to the requirements of banks, the sum of the loan period and the house age cannot exceed 30 years, which is why the second-hand houses are unpopular when making mortgage loans.

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