If the value of a house is 654.38+0 million, then the direct loan amount is 654.38+0 million * 70% = 700,000; If the house appraisal value is 2 million, use 2 million * 70%; If the property value is 3 million, then use 3 million * 70%, and so on, mainly based on the real evaluation price of the house.
The appraisal price of houses is mainly determined by some factors related to real estate. For example, the use time of the property, the market price of the house itself, the location of the property, the nature and type of the property, and the liquidity of the property.
If these housing conditions are not good enough, then the funds that can be borrowed may be less. Moreover, the value of a house cannot be judged only by the area where it is located, and all the above conditions need to be met before it can be evaluated.
For the reasons of capital security and risk control, most banks can only get 70% of housing mortgage loans, but the requirements of bank housing mortgage are stricter and the loan procedures are stricter. Generally, it takes about 20 jobs from application to loan. If the borrower is not qualified, the payment time will be extended later.
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What steps should the mortgage go through before it can be done?
There are about five steps.
1. The institutions that choose loans are usually banks, but some people choose non-bank institutions such as folk credit institutions to handle mortgage loans. Usually, when choosing this method, because the audit of banks is stricter and the audit of private institutions is looser, you can still get a relatively high amount, but the interest of the corresponding private lending institutions is higher than that of banks. For sellers, there are still some inner fears that they will not receive money, so most people will still choose banks to handle it.
2. Provide approval materials for approval as required.
3. The lending institution will make a reasonable amount evaluation of the house according to the materials provided and contact the evaluation institution to finally determine the amount.
4. Review the data for the second time, determine the contract amount with the borrower, and finally sign the loan contract.
5. Go through the mortgage formalities with the housing management department. After the completion, the lending institution obtains his right certificate and finally lends money.