The amount of mortgage loan is calculated as a percentage of the assessed value of collateral, and the amount of mortgage loan = assessed value of collateral * loan ratio. For example, the mortgage loan of real estate generally does not exceed 70% of the value of real estate assessment, and the value of the house is 654.38+00,000, with a maximum loan of 700,000. For example, car mortgage is generally 50-80% of the car's assessed value.
How much can I borrow on a mortgage?
The mortgage rate of housing mortgage loans in general banks is 50%-80%, which is different for each bank, that is, the house value is 300,000, and the loan can only be1.5-24,000. Interest is generally calculated on a monthly basis, and the current loan interest is as follows.
60000x0.054X3+60000 divided by 36 is returned every month.
7.56 This number was a long time ago.
One to three years (including three years) 5.40
Three to five years (including five years) 5.76
More than five years 5.94
Extended data
Housing mortgage loan settlement
1, normal settlement
Settle the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment).
Step 2 settle accounts in advance
Before the maturity date of the loan, if the borrower settles part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
How much can I borrow for a house mortgage?
1. Article 5 of the Measures for the Administration of Mortgage Loans stipulates that the maximum loan amount is 70% of the house appraisal. Generally speaking, the amount of mortgage loan is different for different mortgaged properties. Usually, the mortgage of commercial housing can reach 70%, that of shops and office buildings can reach 60%, and that of industrial plants can reach 50%.
The real estate license is a mortgage loan. Although it can be used for loans, if you want to apply for loans through the real estate license, you must obtain the consent of the holder and * * *, which will be handled jointly by * * *. In addition to the value of the house, the loan amount is also 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 housing 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. After obtaining the evaluation price, the bank will generally make a 70% mortgage according to the evaluation price, that is, the maximum loan amount of your home is 70%.
Third, there are many factors that affect the appraisal value of houses. Banks pay more attention to the age of the house. For example, China Bank stipulates that 70% of the appraisal value is less than 3 years, 60% is less than 3-5 years, 50% is less than 5- 10 years, and 40% is less than 10- 15 years.
How much can a house mortgage loan borrow? It has something to do with these!
Nowadays, more and more people are short of money. Most people can only apply for a very low loan through personal credit, so there are not a few people who apply for mortgage loans with their houses. So how much can a house mortgage loan be borrowed? Let's get to know each other.
1, bank loan policy
Banks have a lot of mortgage loans, as long as the house meets the conditions, you can get loans.
(1) Personal mortgage loan: Generally, it is 50% to 70%, which is related to the situation of the house.
(2) Enterprise mortgage loan: generally, it can be loaned to 60% to 80%, and part of it can be loaned to 10%.
2, related to personal qualifications
(1) The house is the focus of mortgage loan, but other auxiliary materials can also increase the loan ratio. If you have other assets and your job is stable, then 70% is absolutely fine.
(2) Although mortgage loans have low requirements for credit reporting, poor credit reporting will also affect the loan amount, which is generally 50% to 60%. If the situation is too bad, you may directly refuse the loan.
(3) Note that the house is not 100% mortgage. The house can't be loaned for more than 30 years. Of course, some institutions can accept mortgages for more than 30 years, but the loan ratio can be imagined.
3. Type of house
(1) Individual commercial housing: 70%.
(2) Office buildings and shops: the proportion is 60%.
(3) Factory buildings and real estate: the percentage is only 50%.
In short, the amount of mortgage loans is related to many factors, not a single factor. The bank will conduct a comprehensive evaluation. What borrowers need to do is to prepare all kinds of application materials and go through the banking process.