What is the maximum amount of housing loan? The policy of each place is different, with the maximum loan of several million and the maximum loan of several hundred thousand. Different cities, different policies and different loan ceilings. I suggest you check the local loan policy.

The longest housing loan can be borrowed for several years.

First, the loan term.

1, the longest term of individual housing loan is 30 years, and you can choose 20, 15, 10, 5 years, etc.

2. The longest term of personal commercial housing loan is 10 year;

3. Men under 60 years old and women under 55 years old.

Second, the basic provisions of housing loans

1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.

2. Loan targets: China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.

3. Loan amount: The maximum amount is 70% of the total price or evaluation value of the house purchased (built or overhauled).

4. Loan term: up to 30 years.

5. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.

6. Repayment method: entrusted deduction and counter repayment.

7. Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term is greater than 1 year, the repayment method of equal principal and interest and average capital can be adopted.

8. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees.

Three, apply for a loan should be submitted to the information:

1, identity document;

2. Proof of the borrower's repayment ability;

3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;

4. proof of down payment;

5. Loan guarantee materials;

6. Other documents and materials specified by the lending bank.

What is the maximum loan for real estate mortgage?

1. Article 5 of the Measures for the Administration of Mortgage Loans stipulates that the maximum loan amount is 70% of the house appraisal. Generally speaking, the amount of mortgage loan is different for different mortgaged properties. Usually, the mortgage of commercial housing can reach 70%, that of shops and office buildings can reach 60%, and that of industrial plants can reach 50%.

The real estate license is a mortgage loan. Although it can be used for loans, if you want to apply for loans through the real estate license, you must obtain the consent of the holder and * * *, which will be handled jointly by * * *. In addition to the value of the house, the loan amount is also related to your repayment ability and credit history. The bank decides the loan amount according to your repayment ability.

Second, before determining the mortgage loan amount, we must first evaluate the housing price. This appraisal is carried out by a professional appraisal company, and there are many factors that affect the appraisal value, such as location, age, area, old and new degree, etc. After obtaining the evaluation price, the bank will generally make a 70% mortgage according to the evaluation price, that is, the maximum loan amount of your home is 70%.

Third, there are many factors that affect the appraisal value of houses. Banks pay more attention to the age of the house. For example, China Bank stipulates that 70% of the appraisal value is less than 3 years, 60% is less than 3-5 years, 50% is less than 5- 10 years, and 40% is less than 10- 15 years.

How many years of mortgage can I borrow at most?

1. Generally speaking, if the bank thinks it can lend you a loan, it will subtract your actual age according to your retirement age, and the remaining figure is the number of years you can borrow, which in principle does not exceed 30 years. However, by means of balloon loan, it should be possible to extend the loan term.

2. In general banks, men retire at the age of 60 and women retire at the age of 55. Every specific bank has specific regulations, which is not bad.

Factors affecting the life of mortgage loan

1, the age of the mortgage borrower, the older the borrower, the shorter the application period, which is easy to be "rejected" by the bank, which is also an important factor affecting the mortgage period. According to the regulations of most banks, the borrower's age plus the loan period cannot exceed 65 years. Among them, the longest mortgage term is 30 years, so the younger the borrower, the longer the loan term.

2. The age of the purchased property determines the mortgage, and the second-hand house with more than 20 years is easily rejected. This is also a major limiting factor that banks will focus on. When handling individual housing loans, the age of the property purchased by the borrower will also affect the loan term. I believe that many property buyers choose to buy second-hand houses in order to save money, so when handling such mortgage loans, lending institutions will comprehensively calculate the loan term according to the remaining ownership time of the property. If it is a new house, the consideration of mortgage will naturally be less.

3. The repayment ability of mortgage loan. The stronger the repayment ability, the shorter the loan term. Many people think that the stronger the repayment ability, the easier it is to get long-term loans. On the contrary, if the borrower has a high income and a stable job, the bank will actively persuade him to choose short-term loans. If the borrower's income is not very high and his repayment ability is not strong, the bank will give him a long-term loan to relieve his repayment pressure, which is also a measure to ensure the smooth recovery of the loan.

How much can I borrow for a house loan?

In first-and second-tier cities, many people are house slaves. It is very difficult to buy a house in full when the room only goes up and down. But if you can own your own house, it is everyone's dream. So, how much can a house loan be borrowed? How to borrow money to buy a house? Let's take a look with Bian Xiao.

1. How much can I borrow for a house loan?

1. Generally speaking, the amount of mortgage loans is different for different mortgaged properties. Usually commercial housing can be loaned to 70%, shops can be mortgaged to 60%, and industrial plants can be mortgaged to 50%.

2. There are many factors that affect the amount of mortgage loan, and the evaluation of real estate is an important factor that directly affects the amount of mortgage loan.

3. The mortgage loan limit is directly related to the assets owned by the borrower. For example, if you only have one house, you can only borrow half the price of real estate assessment. If you have multiple properties, you can borrow 70% to 80% of the real estate assessment price.

The amount of personal income will also be taken into account by banks. If the personal income is low, the bank will consider whether the lender has the repayment ability, otherwise the bank will reduce the loan amount.

Second, how to borrow a house mortgage loan

1. Both parties sign a contract to stipulate the amount of down payment, loan and final payment, and then the buyer and spouse apply for the loan in person at the bank, and the recipient and spouse need to be confirmed.

2. After the bank verifies, investigates and approves the loan applicant, the buyer signs a loan and guarantee contract with the bank, and the seller transfers the property right to the buyer.

3. When the buyer goes through the mortgage registration with the bank, the bank will issue loans to the seller's account.

4. The buyer and the seller settle the house payment, and the seller collects the final payment from the buyer. After the buyer repossesses the house, he will repay it on a monthly basis.

Editor's summary: How much can I borrow from a house loan? How to borrow money to buy a house? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.