Mortgage loans can last as long as 30 years. The mortgage rate of commercial housing can reach up to 70%; The mortgage rate of office buildings and shops can reach up to 60%; The mortgage rate of industrial plants can reach up to 50%; , the longest period can reach 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses, etc.

How much can a real estate license mortgage loan borrow?

Mortgage loan amount of real estate license

The mortgage loan amount of real estate license depends on the value evaluation of real estate license, which is lower than the market price of real estate license. Generally speaking, the appraisal value of real estate license is influenced by the use time, market value, location, property right type, liquidity and other factors. The mortgage loan ratio of real estate license shall not exceed 70% of the appraised value of real estate license.

Different types of real estate loans have different amounts.

Commercial housing mortgage loan: 70%.

Mortgage loan for office buildings and shops: 60%.

Factory mortgage loan: 50%.

How much can I borrow with a mortgage of 200,000 yuan?

Real estate mortgage has now become a very common form in modern economic exchanges, which can obtain funds for people to solve their urgent needs. But many friends are not sure about the amount of house loan. For example, how much can a mortgage of 200,000 be borrowed? What are the requirements for lenders? Let's take a look at the relevant knowledge together.

1.200,000 mortgage loan, how much can I borrow?

According to the quota of China Merchants Bank, the maximum loanable amount is as follows:

If commercial housing is used as collateral, the mortgage loan shall not exceed 70% of the present value of real estate appraisal at the maximum, and the mortgage loan for a house of 200,000 yuan can be 6.5438+0.4 million yuan; Where commercial housing is used as collateral, the maximum loan/credit line shall not exceed 60% of the net value of real estate appraisal, that is, 6,543,800 yuan+0.2 million yuan; The loan/credit line shall not exceed 50% of the transaction price of the purchased commercial house and 55% of the transaction price of the purchased commercial and residential dual-use house. The specific loan amount should be decided according to the comprehensive examination and approval of the local individual loan department.

Second, the requirements of real estate license mortgage loan

1. The lender must be 18-year-old adult with full capacity for civil conduct, the actual age before the maturity date of the loan is no more than 65, and it can be mortgaged with real estate license, with certain income sources to meet repayment ability and good credit status.

2. The real estate license meets the listing and trading conditions stipulated by the state, and the property right is clear. The sum of the house age and the loan period cannot exceed 40 years, and the house approved by the lending institution can be used for mortgage.

Three. Matters needing attention in mortgage loan of real estate license

1. The interest rate of real estate license mortgage loan is different from that of mortgage loan, but higher than that of mortgage loan. At present, the mortgage interest rate can rise by 10%-20%, so the mortgage interest rate will only be higher, which requires the applicant to make effective judgments and bear higher costs.

2. Before applying, the lender should have a certain understanding of the situation of his house and the factors that affect its value, such as the location, age and area of the house. For example, the Bank of China stipulates that only mortgages with a housing area of more than 85_ and a housing age of less than 15 are accepted.

Conclusion: The related knowledge about housing mortgage loan is introduced here for everyone. I hope everyone can help.

How much can a house mortgage loan borrow?

How much can a house mortgage loan be borrowed? The maximum loan amount of a house mortgage loan is:

The amount of real estate mortgage loan is calculated according to the real estate appraisal. The maximum amount of residential mortgage loans is 70% of the valuation, and the maximum proportion of commercial buildings is 50%.

If the property still has mortgage repayment, the loan amount should be deducted from the unpaid mortgage amount.

For example, the residential property is valued at 5 million, and there are still 6.5438+0 million loans, with a maximum loan of 2.5 million (70% of 5 million-6.5438+0 million).

Mortgage loans have requirements for the age of the house. Houses over 30 years old are not accepted, commercial houses over 20 years old are not accepted, some require transfer for more than half a year, and some do not accept it.

When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;

4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.

The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.

Ping An Xin Yi Dai Click Online Measurement

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

How much can a real estate mortgage loan borrow?

1. Article 5 of the Measures for the Administration of Mortgage Loans stipulates that the loan amount shall be at most 70% of the house appraisal. Generally speaking, the amount of mortgage loan 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%.

The real estate license loan is a mortgage loan. Although you can apply for a loan, if you want to apply for a loan through the real estate license, you must obtain the consent of the holder and the owner and handle it together. In addition to the value of the house, the loan amount is also closely related to your repayment ability and credit history. The bank decides the loan amount according to your repayment ability.

Second, before determining the mortgage loan amount, we must first evaluate the house price. This appraisal is carried out by a professional appraisal company, and there are many factors that affect the appraisal value, such as location, age, area, old and new degree, etc. With the appraisal price, banks will generally mortgage 70% of the appraisal value, that is, you can borrow up to 70% of the house value.

Third, there are many factors that affect the appraisal value of houses. Banks pay more attention to the age of the house. For example, the Bank of China stipulates that 70% of the appraised value is less than 3 years, 60% is within 3 to 5 years, 50% is within 5 to 10 years, and 40% is within 10 to 15 years.