1. What is the maximum loan amount for purchasing a second-hand house?

It will be affected. Taking Beijing as an example, the maximum provident fund loan is 800,000, which can be raised to 920,000 or 1.04 million. However, it will be affected by the area and assessed value. Take Beijing's Fifth Ring Road as an example. For a one-bedroom apartment of 39.5 square meters with an appraised price of 18,000 per square meter, the appraised value is 711,000. If the appraised value of the first home loan is 70%, you can get a loan of 497,700. So even if your qualifications It can reach 800,000. Because the area is small and the appraised value is low, you can only borrow 500,000. If you have a house in your name and it falls under the second set of provident fund policies, you can only borrow 40% of the appraised value, even less. If If the property under your name is higher than 28.81 per capita per household, provident fund loans will not be available.

2. What is the maximum amount of second-hand housing loans

In recent years, the real estate industry has continued to develop. The market for both first-hand and second-hand houses is very hot, especially in today's society where housing prices are rising. Few people will consider paying full payment for a house, and most buyers consider their education. Or because of the convenience of family life, they will consider taking out a loan to buy a second-hand house in the city center. Only through a loan can they buy a house as they wish, so people are more concerned about the loan amount for second-hand houses. Next, the editor will introduce to you what is the second-hand house loan limit?

Second-hand house loan limit

In principle, the maximum loan limit of a second-hand house loan cannot exceed the mortgaged house appraisal Price, that is, 70% of the lower of the confirmed price and transaction price, and the second-hand house is completed within 3 years of the house, the value in the market is relatively stable or the commercial house has a relatively large appreciation, and if the borrower has received high education Education and career income prospects are excellent. The maximum loan amount cannot exceed 80% of the lower of the appraised price of the mortgaged house, that is, the confirmed price and the transaction price. In addition, if you are a home buyer with a non-local household registration or no fixed local residence, the loan amount for a second-hand house will be relatively lower.

Factors of second-hand house loan amount

1. House age

When a home buyer applies for a mortgage, the "age" of the house purchased determines the loan amount. main factors. When banks approve second-hand housing loans, they will check the age of the house. Generally, the age of the house is 20-25 years, and the more relaxed age is about 30 years, and the bank is stricter at 15 or 10 years.

2. Land use period

The land use period is different from the age of the house. It is calculated from the time when the developer acquires the land, while the age of the house is calculated from the completion and acceptance of the house to the delivery. It is calculated from the date of use, so the age of the house is usually less than the land use life.

Editor's conclusion: The above content is an introduction to the factors related to the second-hand housing loan amount. I hope it can help you. I believe that after going through the above content, you will have a better understanding of the second-hand housing loan limit. If you need it later, you can also refer to it.

3. What is the maximum amount of second-hand housing loan? What should you pay attention to when applying for second-hand housing loans?

Nowadays, many people should think that buying a house is a very troublesome matter, but for many people, it is also a major event in life, so it is best not to have any accidents when handling it. Many people handle it Accidents often occur because these people do not understand the aspects of the house that can be completely prevented, and the most useful way is for everyone to understand it. So what should we pay attention to in second-hand houses?

What is the maximum amount of a second-hand housing loan?

It depends on the condition of the house. Generally, the age of the house is different. Under normal circumstances, the maximum loan period for a second-hand house is 20 years, and the maximum limit is 70% of the appraised price of the house. However, if the qualifications are good, it can be relaxed appropriately.

The second-hand house purchased exceeds 70% of the house transaction price or house appraisal price confirmed by the lender (whichever is lower); if the house purchased is a commercial house, the maximum loan amount shall not exceed the lender's 50% of the confirmed transaction price of the house or the appraised value of the house (whichever is lower).

What should you pay attention to when applying for second-hand housing loans?

First, it will be agreed that the buyer and seller will sell for a net price, for example, the price is 500,000 (other expenses will be paid by the buyer), and then the buyer's payment method and when will be agreed upon

1. House age. The age of second-hand houses has become a review criterion for many banks to grant loans, and they may even deny loans.

2. The location, unit price, area, etc. of the house.

Houses with remote locations, low unit prices, and small areas have lower loan ratios and may even be

3. The age, personal credit and repayment ability of the borrower. Older and creditworthy borrowers will have lower loan percentages and may even be denied the loan.

4. Number of loan houses. If it is a loan to buy more than a second house, the loan percentage will be lowered, or it may even be denied

5. If the borrower has an out-of-town residence, the loan percentage may also be reduced. Therefore, before signing a formal contract, buyers should go to the bank for detailed consultation with a copy of the seller's property ownership certificate and proof of their own income, so that they are fully aware before signing the contract.

What is described above is the editor’s opinion on what is the maximum amount of a second-hand house loan? A general introduction to what to pay attention to when it comes to second-hand housing loans. Second-hand housing loan processing is relatively complicated, so you can’t just focus on the amount. You should know that the specific value of the amount can be calculated based on many factors. Therefore Understand it once, so that you can effectively avoid accidents.

4. What is the maximum loan amount for a house loan of RMB 260,000?

If you apply for a personal housing loan (including first-hand and second-hand properties) at China Merchants Bank, the down payment ratio is as follows:

1. For the first home, the minimum ratio is 30%, that is, the maximum loan amount No more than 70% of the value of the property purchased (cities that do not implement "purchase restrictions" will be adjusted to no less than 25%)

2. For a second home, the minimum ratio is 40%, that is, the maximum loan amount does not exceed the purchase price. 60% of the property value. The specific amount you can borrow requires you to submit relevant information and can only be determined after the outlet has reviewed it. You can directly contact the local outlet's personal loan department for consultation.