Commercial loans can reach up to 80% of the property value. The specific loan amount can only be calculated by knowing the value of the property. Commercial loan amount = the proportion of commercial loans to real estate value. If you want to know the specific value, the bank will tell you the details when handling commercial loans.
The amount of personal business loans is related to many factors. If it is a credit loan, it is generally up to 300,000; If it is a mortgage loan, the bank will give the maximum loan amount according to the assessed price of the collateral. For example, the maximum loan amount of mortgage loan is 70% of the appraised house price, and the policy loan is 80% of the cash value.
In addition, the actual amount of personal commercial loans is closely related to personal credit status, and the central bank's credit report cannot be tainted. The stronger the personal economic reality, the better, subject to the loan review results.
I wish you a safe and smooth life in the future. When you encounter difficulties, you can also face them and succeed. If you have any questions you don't understand, you can continue to ask. Don't feel embarrassed or worried. We have always been the backstage of your most loyal friend. In reality, you can talk to me in detail about illegal infringement and dissatisfaction. We have always provided the most reliable judicial answers and help, so don't be afraid when encountering difficulties.
There are a thousand hamlets in a thousand people. Anyway, two identical leaves can be found in the world. Everyone has different views and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you!
What is the maximum amount of commercial loan for buying a new house?
1. The commercial loan amount for the first suite shall not be higher than 80% of the actual total purchase cost or the appraisal value of the real estate appraisal agency; The amount of commercial loan for the second home is not higher than 70% of the actual total cost or evaluation value. Different banks have different loan quotas, which depends on the requirements of the lending banks.
2. The quota/down payment ratio of China Merchants Bank's general housing loans (including first-hand buildings and second-hand buildings) is as follows: the minimum down payment ratio of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property; (cities that do not implement "purchase restriction" are adjusted to not less than 25%); The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
1. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.
2. Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Residents who buy self-occupied housing in cities and towns in this city apply for commercial housing loans from banks with the purchased property housing (or other guarantee methods recognized by banks) as collateral as a guarantee for repayment of loans.
3. 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.
Source: Baidu knows-commercial loan
What is the limit of commercial loan?
Because the loan banks are different, the loan amount is also different. According to the risk control standard of the loan company, the amount of commercial loans cannot exceed 70% of the value of real estate assessment, and 70% only meets the risk control standard, which does not represent the final mortgage rate. Commercial loans generally include personal housing loans and commercial loans. Different types of commercial loans have different amounts.
First-hand personal housing loan amount: if the first-hand personal housing loan amount is mortgaged by the purchased commodity housing or other commodity housing, the mortgage rate shall not exceed 80% at the highest. To apply for personal self-built housing loans, the mortgage rate shall not exceed 70%.
Commercial loan amount: the maximum amount of personal commercial loan can reach 3 million yuan.
Where pledge guarantee is adopted, the pledge rate shall be implemented in accordance with the relevant regulations of the loan bank, and the loan bank will review the amount applied by the borrower according to the specific circumstances, and the borrower needs to take the actual loan amount as the standard.
Agricultural Bank of China provides family farm loans to farmers with a maximum loan amount of100000 yuan. With family farms, borrowers who need loans can go to the Agricultural Bank of China to handle specific loan matters. The loan amount of each lending bank is different and cannot be generalized.
The limit of commercial loans is only a reference value, and few commercial loans can really reach the limit.
The introduction of loan amount and commercial loan ends here.