1. Article 5 of the Measures for the Administration of Mortgage Loans stipulates that the maximum loan amount is 70% of the house appraisal. Generally speaking, the amount of mortgage loan is different for different mortgaged properties. Usually, the mortgage of commercial housing can reach 70%, that of shops and office buildings can reach 60%, and that of industrial plants can reach 50%.
The real estate license is a mortgage loan. Although it can be used for loans, if you want to apply for loans through the real estate license, you must obtain the consent of the holder and * * *, which will be handled jointly by * * *. In addition to the value of the house, the loan amount is also related to your repayment ability and credit history. The bank decides the loan amount according to your repayment ability.
Second, before determining the mortgage loan amount, we must first evaluate the housing price. This appraisal is carried out by a professional appraisal company, and there are many factors that affect the appraisal value, such as location, age, area, old and new degree, etc. After obtaining the evaluation price, the bank will generally make a 70% mortgage according to the evaluation price, that is, the maximum loan amount of your home is 70%.
Third, there are many factors that affect the appraisal value of houses. Banks pay more attention to the age of the house. For example, China Bank stipulates that 70% of the appraisal value is less than 3 years, 60% is less than 3-5 years, 50% is less than 5- 10 years, and 40% is less than 10- 15 years.
1996 housing mortgage loan ratio
The proportion of housing mortgage loans is generally 70%, and the specific loan amount is subject to the assessed value. Housing mortgage loan application materials: real estate license (real estate license and land certificate in mortgage bank loan must be mortgaged to the bank); Identity cards of the obligee and his spouse; Household register of the obligee and spouse; Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau); Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. ); If the owner of the real estate license has minor children, please provide a birth certificate; If the property has a bank loan, please provide the original loan contract and the latest bank statement; In order to improve the pass rate of mortgage loans, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).202 103 1 1
What is the proportion of mortgage loans in general?
The mortgage rate of housing mortgage loans in general banks is 50%-80%, which is different for each bank, that is, the house value is 300,000, and the loan can only be1.5-24,000. Interest is generally calculated on a monthly basis, and the current loan interest is as follows.
60000x0.054X360000 divided by 36 is returned every month.
7.56 This number was a long time ago.
One to three years (including three years) 5.40
Three to five years (including five years) 5.76
More than five years 5.94
Extended data
Housing mortgage loan settlement
1, normal settlement
Settle the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment).
Step 2 settle accounts in advance
Before the maturity date of the loan, if the borrower settles part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.