Because the value of houses in the Fifth Ring Road is higher than that outside the Fifth Ring Road, the maximum loan outside the Fifth Ring Road is only 2.43 million. This is also based on specific banks to calculate how much money specific individuals can borrow, and also need to go to bank outlets for consultation. Bank outlets will lend money according to individual circumstances and qualifications.

I. Term of the loan

The longest loan period is 25 years. Apply for the best loan portfolio of 2.43 million yuan with a loan term of 25 years, meeting the following conditions. Relevant proof that the personal or family income is twice the debt, that is, the minimum monthly income of the applicant or family is 25,932 yuan or the annual income is 31184 yuan (including year-end bonus, subsidies, housing accumulation fund and other income). If the income is not up to standard, you can add part-time income certificate or transfer loans (parents and children apply for loans together). For a 70-year-old house, the house age plus the loan period is less than the property period, 70-25=45 years, which is the limit. Generally speaking, if the house is more than 30 years old, it is difficult to apply for a loan of up to 25 years. The borrower is under 69 years old, that is, the buyer is under 44 years old. This is also an extreme era. Generally speaking, it is difficult to approve a house that has been loaned for more than 40 years in 25 years.

Second, what should I do if the mortgage amount is not enough?

To apply for a mortgage, borrowing more is not necessarily good, and borrowing less is definitely not good. I mainly want to know what kind of life I want after borrowing money, which is better for me. In other words, it is impossible to have as many mortgages as you want, and many people will encounter the embarrassment of insufficient loan amount. Due to credit information, high debt and other factors, if the loan amount is reduced, you can consult the patient's bank and apply for a loan in a bank with relatively loose mortgage review, and you may get the desired amount. If you buy a new house, you can also apply for a loan from a real estate cooperative bank and get a relatively favorable interest rate. However, some banks may not be so strict with borrowers in some aspects in order to issue loans smoothly.

Finally, buying a house loan is a very common thing, but this process will be very long, requiring a long time and a lot of information, and it will also cost a lot of money, so you should do your homework and make full preparations before applying for a loan, so that you can handle it quickly and avoid some troubles.