Determination of mortgage loan amount of real estate license;
Before determining the mortgage loan amount, the house price is evaluated by a professional evaluation company. The factors that affect the evaluation value are region, room age, area and degree of newness. After evaluation, banks usually mortgage loans at 70% of the evaluation value, that is, more than 70% of the house price.
There are many factors that affect the evaluation value of houses, and banks attach importance to the age of houses. For example, the Bank of China stipulates that 70% of the appraised value is less than 3 years, 60% is 3-5 years, 50% is 5- 10 years, and 40% is 10 years.
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