1. How much can be borrowed for general housing mortgage loans

The personal loan amount of our bank is generally not less than 50,000 yuan, and the amount regulations for different types of loans are different; such as: personal consumption loans The application forms are different and the loan amounts are different. The mortgage type determines the loan amount based on the value and purpose of your mortgaged property; the credit type generally does not exceed 300,000. The specific amount of your loan can only be determined after the bank you apply for a loan has reviewed it!

2. How much can you borrow with a house mortgage?

House mortgage loans require that the age of the house be at least 20 years Within the year; the area of ??the house must be greater than 50 square meters; the house must have strong liquidity. The mortgage loan amount is 70% of the appraised value of the house. The loan period for new housing loans shall not exceed 30 years, and the loan period for second-hand housing shall not exceed 20 years. The loan interest rate shall be based on the loan interest rate for the same period and grade stipulated by the People's Bank of China. Generally, the "age of the borrower" is no more than 65 years old for men and 60 years old for women.

3. How much can you borrow for a house mortgage loan of 400,000 yuan?

A house mortgage loan of 400,000 yuan can generally loan 700,000-800,000 yuan of real estate, and the maximum term of a second-hand house loan is 30 years.

Extension

In order to ensure the safety of the loan, the bank uses the borrower's real estate certificate to legally obtain the lien and pledge of the borrower's property through a certain contract. A loan is actually a legal transfer of property ownership by the debtor (mortgagor) to a creditor (mortgagee) to obtain a loan. During this period, if the debtor cannot repay the loan principal and interest on time, the creditor has the right to dispose of the loan. This loan method can reduce the creditor's loan risk as a debenture. The use of mortgage loans in housing credit is based on the safety, liquidity and profitability of bank operating funds. Since most of the borrowers of this housing loan are individual residents, and the bank cannot clearly understand the financial strength and creditworthiness of the borrower, the risk of the loan, and in the case of mortgage loans, provides the creditor with an effective way to recover the loan of the individual resident's house. Most of the loans are mortgage loans.

Essence:

Mortgage housing loans are actually types of commercial houses that are on the market that are used as collateral for bank loans. The difference between second-hand property loans and first-hand property loans is that the customer already owns the property, rather than about to own it. Mortgage home loans need to have a clear loan purpose and cannot be used for purposes expressly prohibited by laws and regulations. For example, real estate speculation and stock speculation are not allowed. Mortgage home loans are required to be used exclusively for the purpose and must be subject to the supervision of the loan issuer and regulatory agencies. , if violations are found, the bank has the right to recover the loan.

Processing instructions:

House mortgage loan means that the borrower uses the purchased house and other owned properties as mortgage or pledge, or a third party provides a loan. It is a triangular relationship connected by the housing sales contract, housing mortgage agreement, and housing mortgage loan contract.

1. House requirements

(1) The property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and be able to enter the real estate market without any other mortgage;

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(2) The total term of the house cannot exceed 40 years;

(3) The mortgaged house is not included in the list issued by the local city property department and land management department

2. Lender requirements

Have a fixed residence in China, have a local urban permanent residence (capacity), and meet the requirements for applying for a personal comprehensive consumption loan.

1 source of income, with the ability to pay on time The ability to repay the principal and interest of the loan;

2. No illegal behavior or bad credit record;

3. Ability to provide bank guarantee or use legal and valid real estate as mortgage guarantee or have agency Third-party guarantee of solvency;

4. Open a personal settlement account with the Industrial and Commercial Bank of China, and agree to the bank deducting the principal and interest of the loan from its designated personal settlement account;

5. Bank