The qualification, loan term and repayment ability of the owner of the new house. According to the requirements of different banks and different lending banks.
There is no upper limit on the amount of commercial loans. As long as you have enough suites, you can't exceed 70% of the total house price.
brief introduction
Self-operated loans issued by individual housing commercial loans. Specifically, it refers to the commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when purchasing owner-occupied housing in the cities and towns of this city.
Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, residents who meet the following two conditions plus housing savings; Second, housing sellers and loan banks provide guarantees to banks for residents' housing loans.
2. What is the maximum amount of commercial loan?
The amount of commercial loan for a new house depends on your personal qualifications, loan term, repayment ability and other conditions. According to different banks, the loan amount fluctuates according to the requirements of banks.
There is no upper limit on the amount of commercial loans, as long as you have enough repayment ability, but the first suite cannot exceed 70% of the total house price.
brief introduction
Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral.
Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller and the loan bank agreed that the real estate guarantee enterprise would provide guarantee to the bank for the residents' house purchase loan.
3. What is the maximum commercial loan?
This is really hard to say at most, the key is to see what kind of house you buy!
If it is a new house, a down payment of 2 to 3 is enough, and the rest is your loan amount!
If it is a second-hand house, the key depends on the bank's evaluation price of the house. If the appraisal price is 50w, then your loan amount can't exceed this figure!
To approve the loan, you need proof of your income. You need to prove your repayment ability before the loan can be approved. (generally not difficult. China's mortgage is a high-quality loan. )