1. The property owner applies to the bank himself.

When their loan information, real estate, personal flow and liabilities are relatively high-quality, borrowers can choose to apply directly to banks in Jinan through themselves. For the specific operation process, they can consult several loan banks and prepare and submit materials according to the relevant loan requirements.

The advantage of personal application for real estate mortgage loan is that it saves some intermediary fees; The disadvantage is that the interest rate may be higher and it may take longer; If the loan scheme is not good, the relative risk of rejection will be higher. Therefore, I suggest that you compare and screen the correct banks before applying for real estate mortgage loan to avoid the situation that it will take a long time to be approved.

2. Apply for mortgage loan through loan intermediary.

If you choose a loan intermediary to handle the real estate mortgage loan, you should pay attention to the service fee, which is mainly collected by the intermediary company. Usually, the advantages of choosing an intermediary company to handle mortgage loans are: saving the processing time of mortgage loans; The most important thing is that the loan intermediary is rich in resources and has a wide network of contacts, and the success rate will be higher than that of individual applications.

Second, how much can a real estate mortgage loan be borrowed?

Generally speaking, for a house with a market value of 5 million, the mortgage can reach 70% of the market value of the house at most, that is, 5 million * 70% = 3.5 million. But the fact is not so simple.

1. As far as the loan subject is concerned (taking the bank as an example)

(1) How much can I borrow for personal housing mortgage? The general situation is 50% to 70%;

(2) How much can an enterprise mortgage loan borrow? General loans can reach 60% to 80%, and some loans can reach 9% to 10%.

2. As far as personal qualifications are concerned (taking banks as an example)

(1) How much mortgage loan can you get with other financial assistance? As long as there is no problem with your credit information and mortgage property and your work is stable, then 70% is no problem.

(2) Personal credit is poor, how much can a real estate mortgage loan borrow? The answer is 50% to 60%, depending on the personal credit rating, or it may be refused directly;

(3) How many mortgage loans can a house borrow for more than 30 years? The answer is 0. Of course, there are institutions that can accept mortgages for more than 30 years, but the percentage of loans can be imagined.

3. As far as housing types are concerned (taking banks as an example)

(1) How much can an individual commercial housing mortgage loan borrow? The percentage is 70%;

(2) How much can I borrow from mortgage loans for office buildings and shops? The percentage is 60%;

(3) How many mortgage loans can a factory apply for? The percentage is only 50%.

4. As far as institutions are concerned.

(1) How much can a bank mortgage loan borrow? 50% to 70% of the housing value, the enterprise will probably be higher, depending on the previous factors;

(2) How much can private lending institutions borrow from real estate mortgage loans? 50% to 80%, and some can achieve 90%. Like banks, private lending institutions will also look at various qualifications;

(3) How much can a pawnshop mortgage loan borrow? 50% to 60%, and the higher is 70%.

The above small series introduces the common handling methods of real estate mortgage loans, and the choice is mainly based on your own actual situation. Generally speaking, if you need money urgently, it is a good choice to find a loan intermediary, which can not only enjoy the same interest rate of the bank, but also solve the loan quickly.