1. What is the maximum loan amount to buy a house?

If you are buying a house for the first time, there are two questions you need to add, because the down payment ratios for the first and second purchases are also different. They are different, so the allowed loan ratios are also different; secondly, if you and your family members under the same household registration have already bought a house, and the area is less than 90 square meters, your loan mortgage ratio is 80% of the total house payment. First, how many square meters of house did you buy? Because the down payment of more than 90 square meters is different from the down payment of less than 90 square meters

2. What should I do if the loan limit for buying a house is not enough? Which houses cannot be loaned?

1. Due to credit reporting and other factors

You can learn more about several banks that offer housing easing, and the loan amount may reach your expected amount; apply for a loan from the bank where you purchased the property. , generally banks and developers can obtain certain preferential interest rates.

2. Your income does not meet the bank’s requirements

In this case, you can consider applying for a relay loan. If your monthly income is low, but your father does not, then you can apply for a consumer loan as a company to pay for the house. Generally, banks have strict supervision on the flow of consumer loan funds, and it is difficult to pay for the house with consumer loans, but applying for a loan as a company , the approval process and capital supervision are relatively loose, this method

3. Consult multiple banks, but none can meet the quota

In this case, you can apply for a consumer loan to pay for the house at the company Generally, banks have strict supervision on the flow of consumer loan funds, and it is difficult to use consumer loans to pay for houses. However, the company's loan application, approval process and financing methods are relatively feasible

4. Try all loan channels But it’s still not enough

If you have tried all loan channels and still cannot get enough money for the house, you can consider borrowing money from relatives and friends. However, when buying a house, you must apply for a loan based on your own financial situation, and do not let excessive mortgage pressure affect your quality of life.

3. What is the maximum commercial loan amount for buying a new house?

1. The commercial loan limit for the first home shall not be higher than 80% of the actual total purchase cost or the assessed value by the real estate appraisal agency; the commercial loan limit for the second home shall not be higher than 70% of the actual total purchase cost or the assessed value. . The loan amount for different sets of loans from different banks fluctuates, and the specific requirements are subject to the requirements of the lending bank.

2. The amount/down payment ratio of China Merchants Bank’s general housing loans (including first-hand and second-hand properties) is as follows: the minimum down payment ratio for the first home is 30%, that is, the maximum loan amount shall not exceed 70% of the value of the property purchased; (Cities that do not implement "purchase restrictions" will adjust to no less than 25%); the minimum down payment ratio for a second home is 40%, that is, the maximum loan amount shall not exceed 60% of the value of the property purchased.

1. Commercial loans, also known as personal housing loans, are commercial banks and housing savings banks approved by the People's Bank of China. They provide loans for urban residents to purchase ordinary houses for self-use, and the statutory loan interest rates are enforced. Many commercial banks in Beijing have this business, such as China Construction Bank and Agricultural Bank of China. The procedures for applying for a loan are basically the same.

2. Personal housing commercial loans are self-operated loans issued by banks using their credit funds. When residents purchase self-occupied housing in cities and towns in this city, they use the property rights of their purchased housing (or other guarantee methods recognized by the bank) as collateral and apply for commercial housing loans from the bank as a guarantee for repayment of the loan.

3. Personal housing commercial loan is a type of loan that Chinese citizens apply to banks for purchasing commercial housing. The relevant bank regulations stipulate that anyone who meets one of the following two conditions can apply for a loan type: First, Residents who participate in housing savings; second, the housing seller and the loan bank have an agreement that the real estate guarantee company will provide guarantees to the bank for residents' home purchase loans.

Source: Baidu Knows-Commercial Loans