Description:
-The loan amount depends on the lender's personal credit score, repayment ability and the loan interest rate adopted.
-Lenders need to provide necessary materials and certificates to support loan applications, such as proof of income and proof of assets.
-Basically, the loan ratio is between 70% and 90%, and the specific loan amount depends on the lender's approval results.
2. How much can the housing provident fund10.5 million yuan be loaned: Based on China's provident fund loan policy, the loanable amount is generally about 80% of the total housing price, that is,10.2 million yuan.
Description:
-Provident fund loan refers to the way to use the funds in the personal provident fund account to make a house purchase loan.
-The loan amount is limited by factors such as the deposit time of individual provident fund, the balance of provident fund and the monthly deposit amount.
-The repayment period is generally 20 years, and the repayment method can be installment repayment or equal principal and interest repayment according to the individual's choice.
Summary:
It is recommended to test the comprehensive credit score of personal big data before lending. The higher the score, the greater the probability that the loan will pass. According to the mortgage policy and personal situation, it can be preliminarily estimated that the residential energy loan of Huoqiu10.5 million yuan is about10.3 million yuan, while the residential provident fund loan of10.5 million yuan is about10.2 million yuan. These amounts are based on the current policies of China and the estimation under normal circumstances, and the specific loan amount is subject to the actual approval results.