Of course, the property right certificate of the apartment can be mortgaged. Apartment is also a common type of real estate. As long as you have a real estate license, you can apply for a mortgage loan as collateral. However, banks have some requirements and conditions for real estate mortgage, such as the age of the mortgagor, a stable source of income, and clear property rights. In addition, the requirement for room age cannot exceed 30 years.

Factors affecting the amount of housing mortgage loan

1, low housing age and high loan.

The older the house, the less popular it is. Under normal circumstances, the mortgage housing construction time is less than 20 years. As long as the house is built closer, the loan ratio will increase accordingly. If the building is older, the borrower's loan ratio will be reduced. Because the older the house, the smaller the room for appreciation and preservation of the house. Generally speaking, the lower the loan ratio, the more likely it is not to get a loan.

2. Location of the house

The location and area of the house are also the main factors for banks to approve loans. If the house is remote and small, the loan ratio is generally low. Due to the remote location and small area of the property, its liquidity is poor.

3. Property right of the house

Under normal circumstances, ordinary housing mortgage loan is at most 70% of the appraised value of the loan real estate. If it is a commercial house such as an office building, the loan can only be about 50% of the real estate appraisal value.

4. The lender's age, personal credit and repayment ability.

If the lender is older, has poor credit or has low repayment ability, the proportion of loans available will be lower, and even loans may not be granted in serious cases.

How many years can a house mortgage loan last?

The high mortgage amount means that the repayment amount is also large and the repayment pressure is high. In order to reduce the pressure of monthly payment as much as possible, we should not only choose the appropriate repayment method, but also extend the loan term as much as possible. The longest term of mortgage loan can reach 30 years, but this is influenced by the age of the house and the age of the borrower. According to the regulations of most banks, the age of the house plus the age of the borrower cannot exceed 65, that is to say, the older the borrower, the shorter the loan period.

In addition, the nature of the house will also affect the loan period. When a house is used for mortgage loan, the longest loan period is 30 years, but if it is a house with other properties, the longest loan period may be only 20 years, 10 or even 5 years due to poor liquidity.