The general bank evaluation price is the price excluding decoration expenses. I don't know if your market price includes decoration expenses. If so, what part of the expenses need to be deducted is the value of bank appraisal. The bank loan amount is 5-7 fold, and the general commodity housing is about 6 fold. Then you need to roughly calculate how much money you can borrow. The bank interest rate is generally 15%-20%. Don't expect to lend it to you at the interest rate stipulated by the state. You will never meet those conditions.

2. What's the interest on the mortgage?

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Many people choose to borrow money to buy a house and use the house payment method. So what's the interest on the mortgage? How to choose the right bank loan? Next, Bian Xiao gave a large capacity, let's have a look.

How much is the mortgage interest?

The mortgage interest of each bank will be different, and the interest rate is floating on the basis of the benchmark interest rate. At present, the benchmark annual interest rate of banks is 4.35% for less than one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years. We take China Merchants Bank and China Bank as examples:

1, the housing loan amount of China Merchants Bank is 70% of the appraised housing price, and the loan interest rate generally only refers to the benchmark interest rate of the central bank in the same period.

2. The mortgage loan of China Bank is only for houses with the age below 15 and the house area above 85 square meters. The loan amount is related to the age of the house. Generally, a house of five to ten years old is 50% of the appraised price, and the loan interest rate is the benchmark interest rate of the central bank during the same period. If the ten-year loan term is taken as an example, the interest rate is 7.83%.

How to choose the right bank loan

1 First, compare the loan conditions of various banks. When the house is mortgaged, the bank should not only look at whether the house is qualified, but also review the borrower's credit status and personal income.

2. Compare the loan interest rates of various banks. Housing insurance is lower because there is a house as collateral. However, the mortgage interest rate of each bank is different, so choose from the loan interest rate of each bank.

Summary of the article: The above is the introduction of mortgage interest and how to choose it, hoping to provide reference for friends in need.

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3. How much is the mortgage loan for a house worth 800,000 yuan?

For mortgage loans, the maximum amount of mortgage loans can be 70% of the value of collateral. 65,438+10,000 houses can be 70,000, and the less loans, the faster the approval. I suggest you apply to the four major banks to explain your purpose in the bank, and someone will receive you. After the application, the bank will inform you of the audit time, which should be approved soon after the audit. You'd better find a friend who knows the top of the bank and invite him to dinner. Things will be easier.

Four, 800,000 houses can be loaned?

Calculate how much it will cost to decorate your home. With the development of economy and the favorable property market, many investors regard houses as investment products, which also makes house prices rise and the down payment for buying houses is also increasing. The down payment for buying a house has become the most concerned issue for buyers. Then take a house in a second-tier city as an example. The price of a small apartment is generally 800,000. So, how much can you borrow for an 800,000 house? Next, let's get to know it with Bian Xiao! How much can I borrow for a house with 800,000 yuan? Generally, banks can lend about 70%, one is about 0.5 and the other is about 0.6, that is, the house loan is 800,000, one is 400,000 and the other is 340,000. The cycle is generally about ten days, and the minimum loan is 50,000. It depends on your own situation and qualifications. It is best to find a suitable bank, and blind loans are easy to be rejected. Can I get a loan to pay the down payment on the house? Strictly speaking, the down payment on a house is not a loan. The down payment of the house is the money paid when buying the house, and the rest must be paid in cash according to the agreed proportion, and then paid by bank loan. If it is insufficient, you can choose a third-party institution to make a second loan: 1. Many financial institutions want to buy houses for young people, and buyers want to sell their existing houses before buying them, but the time for selling their own houses and buying new houses may not be exactly the same. If the down payment funds are insufficient in a short time, they will exchange their existing homes for the down payment of new houses. 2. You can get a certain loan amount from a third-party institution with other entity assets or personal credit, so that you can pay the down payment and pay the rest monthly according to the loan method. House down payment can be paid by disguised loan, which involves two loan contracts. Bian Xiao's conclusion: The above content is about how much can a house with 800,000 yuan be loaned? I hope I can help you. I believe that after the content is launched, can the down payment be loaned? Have more understanding, if you are interested, you can refer to it later. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.