How to borrow a house mortgage loan in Shanghai and how much you can borrow

1. Houses of the same price will also have different loan amounts when applying for mortgage loans, because the factor that determines the loan amount is the house and the lenders themselves. Under normal circumstances, the mortgage rate for commercial housing in Shanghai can reach 70%, the mortgage rate for Shanghai shops and office buildings can reach 60%, and the mortgage rate for industrial plants can reach 50%. There are many factors that affect the amount of real estate mortgage loans in Shanghai. The appraised value of real estate is the main reason that directly affects how much money can be borrowed for a housing mortgage loan in Shanghai. Real estate appraisal value mainly includes the evaluation of house type, house area, orientation, location, construction age, floors, etc.

2. The Shanghai housing mortgage loan limit is also directly related to the assets owned by the borrower. If there is only one property, most people can only borrow half of the appraised value of the property; if there are multiple properties, you can borrow 70 to 80 of the appraised value of the property. The amount of personal income will also be included by the bank in affecting the loan amount. If the personal income is low, the bank will worry about the borrower's insufficient repayment ability and reduce the loan amount.

1. Housing loans, also known as housing mortgage loans, require the buyer to fill in a housing mortgage loan application form to the lending bank and provide legal documents such as ID card, income certificate, house sales contract, and letter of guarantee. After passing the review, the lending bank promises a loan to the buyer, and handles real estate mortgage registration and notarization based on the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer. The bank will directly transfer the loan funds within the period stipulated in the contract. to the bank account of the seller.

2. Home mortgage loan is a kind of loan provided by the bank to the borrower through a certain contract to legally obtain the lien and pledge rights of the borrower's property in order to ensure the safety of the loan. In fact, this kind of loan is a kind of loan in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagor) to obtain the loan. During this period, if the debtor cannot repay the principal and interest of the loan on time, the creditor has the right to dispose of the collateral and receive priority in repayment. This loan method can reduce the creditor's loan risk and provide the most effective guarantee for the creditor to recover the loan. The use of mortgage loans in housing credit is based on the safety, liquidity and profitability of bank operating funds.

How many years can a bank mortgage loan be loaned?

House mortgage loans can be loaned for up to 30 years. The mortgage rate for commercial residential buildings can reach up to 70; the mortgage rate for office buildings and shops can reach up to 60; the mortgage rate for industrial plants can reach up to 50; the maximum period can reach 30 years; the mortgage includes shops, office buildings, Houses, villas, factories, warehouses, etc.

How much can be borrowed with a car mortgage loan?

Generally, the appraised loan value is about 50% to 80%, and the car mortgage loan can generally be loaned at 70%. The specific requirements are Look at the price and specific condition of the car.

Nowadays, there are many channels for applying for car mortgage loans, and the review is very strict. Therefore, borrowers must prepare loan materials in advance. Be cautious when choosing a loan, avoid car loan routines reasonably, and don’t just go for convenience. Be sure to choose a formal institution. Only in this way can you better protect your rights and interests.

For car mortgage loans, you need to find a professional company. Shanghai Amitu has more than ten years of service experience in the car loan industry. The service is very professional. It has a good brand awareness in the car mortgage loan industry. The interest rate and quota are also relatively advantageous in the industry. Currently, its business covers Shanghai, Chengdu, It has 13 direct stores across the country in 10 cities including Xi'an, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi in Xinjiang.

How much can you borrow for a home mortgage loan?

1. Article 5 of the "Mortgage Loan Management Measures" stipulates that the maximum loan limit is 70% of the appraised value of the house. Generally speaking, different mortgage properties have different mortgage loan amounts. Generally, the mortgage for commercial houses can reach 70, the mortgage for shops and offices can reach 60, and the mortgage for industrial plants can reach 50.

The real estate certificate is a mortgage loan. Although it can be used for loans, if you want to apply for a loan through the real estate certificate, you must obtain the consent of the owner and the owner, and the owner will handle it together.

In addition to the value of the house, the loan limit is also related to your repayment ability and credit history. The bank determines the loan amount based on your repayment ability.

Second, before determining the mortgage loan amount, you must first evaluate the house price. This appraisal was conducted by a professional appraisal company. There are many factors that affect the appraisal value, such as location, age, area, condition, etc. After the appraised value is obtained, the bank will usually provide a mortgage with 70% of the appraised value, which means that the maximum loan limit for your home is 70%.

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

How many years can the mortgage loan be extended at most?

Legal analysis: What is the repayment period for a real estate mortgage loan? The maximum loan period shall not exceed 30 years, and the second-hand housing provident fund loan shall not exceed 15 years; the mortgage loan is used for personal consumption, and the period is generally within ten years.

Legal basis: General rules for loans

Article 11 Loan term: The loan term is determined by the borrower’s production and operation cycle, repayment ability and the lender’s capital supply ability. The borrower and the lender shall negotiate and determine it, and shall specify it in the loan contract. The maximum term of a self-employed loan is generally not more than 10 years. If it exceeds 10 years, it should be reported to the People's Bank of China for filing. The discount period of a discounted bill shall not exceed 6 months at most, and the discount period shall be from the discount date to the maturity date of the bill.

Article 12 Loan extension: If the loan cannot be repaid on time, the borrower should apply to the lender for a loan extension before the loan maturity date. It is up to the lender to decide whether to extend the period. When applying for a guaranteed loan, mortgage loan or extension, the guarantor, mortgagor and pledger should also provide written certificates agreeing to the extension. If there is an agreement, the agreement shall be implemented. The cumulative extension period of short-term loans shall not exceed the original loan period; the cumulative extension period of medium-term loans shall not exceed half of the original loan period; and the cumulative extension period of long-term loans shall not exceed 3 years. Except as otherwise provided by the state. If the borrower does not apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.