1 10,000 yuan mortgage loan, up to 700,000 yuan. Because the loan amount of real estate mortgage loan is usually up to 70% of the appraised value of the house, the house with the appraised value of 6,543,800+is the highest one that 70 yuan can borrow. At the same time, the bank will check whether the lender has the economic ability to repay the loan principal and interest according to the lender's credit record, real estate license, ID card and other relevant certificates. Mortgage interest rate: mortgage interest rate is divided into long-term and short-term situations. Short-term loans: within 6 months (including 6 months), the loan interest rate is 4.35%; The loan interest rate from 6 months to 1 year (including 1 year) is 4.35%. Long-term loan: 1 to 3 years (including 3 years), with a loan interest rate of 4.75%; 3 to 5 years (including 5 years), the loan interest rate is 4.75%; For more than 5 years, the loan interest rate is 4.90%.

1. What are the requirements for mortgage loan applicants? The mortgage applicant must be an adult with full civil capacity, aged18-65; The loan applicant has a good credit record and must have the economic ability to repay the loan; Loan applicants need to have a stable income and need to provide bank flow for nearly half a year (usually the monthly bank flow is more than twice the repayment amount).

2. The mortgage loan process is as follows: the applicant first confirms that the house has not been registered for mortgage; The applicant submits a mortgage loan application to the relevant registration department of the bank; The applicant submits the required information to the bank; The bank reviews the data, and after the approval, the appraisal company is appointed to evaluate the house and determine the loan amount; The bank checks the original ID card, household registration book and marriage certificate; The original list of houses that have been sold and registered for transfer as determined by the mortgage parties. According to Article 33 of the Guarantee Law, the term "mortgage" as mentioned in this Law means that the debtor or a third party takes the property listed in Article 34 of this Law as a guarantee for the creditor's rights without transferring its possession. When the debtor fails to perform the debt, the creditor has the right to discount the debt or give priority to compensation with the price of auction or sale of the property in accordance with the provisions of this law. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided as guarantee is the collateral.

3. Precautions for housing mortgage loan: The mortgaged house must be a commercial house, and small property houses, rural self-built houses and demolished houses cannot apply for housing mortgage loans; Houses used for mortgage must have residual value, especially those mortgaged houses and houses that have been loaned once. If there is no surplus value, banks will not lend; The house property right of mortgage loan must be clear and definite. If the name of both husband and wife is written on the house property certificate, then both husband and wife must be present in person when handling the house mortgage loan. If the house is mortgaged by a third party, a written document of the third party's consent to the mortgage shall be provided.