Loans with loan records account for 60%, and loans without loan records account for 70%.
Second, how to buy a second-hand house, how much can a person borrow at most?
The maximum amount of personal second-hand housing loans shall not exceed 80% of the appraised value of the purchased housing or the transaction price of the second-hand housing (whichever is lower), and the proportion of individual loans shall be determined one by one according to the borrower's repayment ability and credit history. Please consult the local branch of Bank of China for details. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Third, how much can I borrow to buy a second-hand house?
Provident fund loans, how much you can borrow, first look at your deposit amount and deposit ratio, you can calculate the loan amount. If you are the first house with an area of less than 90 square meters, you can borrow 80% of the total house price, and the lower of the two loan quotas will prevail. The longest loan period is 15, and the maximum loan amount is 400,000 (supplementary). In addition to the second-hand housing loan amount is calculated according to the deposit amount, the other will have an evaluation value because of the depreciation of the house. You are the first set, 90 square meters is 80% of the evaluation value of a loan, and the two are still the lowest. The longest loan term is 15 years.
How much provident fund can more than 46,000 second-hand houses borrow?
Provident fund loans can be 60% of the transaction price and 40% down payment. If the second-hand house is about 600 thousand, it should be able to borrow about 360 thousand-400 thousand. Specific second-hand housing loan process: preliminary examination-online signing transfer-receipt of new house book after 3 working days-review-loan-signing loan contract for mortgage. It takes about two months for the provident fund to come out from the preliminary examination.