There are many types of loans in China banks, and the loan amount is different with different types of loans. If there is loan demand, it is recommended to contact local outlets for detailed consultation.

The above contents are for your reference. Please refer to the actual business regulations.

How much can I borrow from a commercial loan to buy a house in Hangzhou?

Commercial loans for buying a house in Hangzhou can generally be 40-70%. If you buy the first suite with a commercial loan, the loan policy requires you to make a down payment of at least 30%, and the other 70% can be obtained through a bank loan.

The bank loan amount is generally based on your personal situation, combined with the valuation of your mortgaged house, your personal family income and salary level, giving you a maximum loan amount. Under normal circumstances, it is no problem to borrow 70%.

If you buy a second apartment with a commercial loan, Hangzhou's loan restriction policy stipulates that the down payment must be greater than or equal to 60%. In other words, you can only borrow 4- 1% from commercial banks at most. Basically, you have a house as collateral, and a loan of 40% is no problem.

The amount of housing loan in Hangzhou depends on the valuation of your house and your personal assets and repayment ability. Under normal circumstances, the maximum loan amount is about 70% of the house valuation.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

How much can I borrow for personal business loans? Can't exceed this number

With the economic growth of China, people's life pressure is increasing. Many friends may want to use loans to relieve the pressure because of some financial problems, but it is puzzling how much personal business loans can be borrowed? Today, in order to help you solve the problems in your life, let's give a simple answer!

How much can I borrow for personal business loans?

Because different lending institutions and different companies offer different amounts, as follows:

1. When we make a commercial loan, the longer the loan time, the higher the loan amount, and of course the interest will increase. Taking the loan for 20 years as an example, the maximum interest with principal can reach 600,000. However, because the lending institution will review your big data, the quota will still change.

Generally speaking, the longer the loan time, the higher the loan amount, but in the actual process, we must also analyze the personal economic situation, so the loan amount will also increase or decrease.

3. According to the regulations of the People's Bank of China, a commercial loan can be issued at most within the specified proportion of the total house price. If it is not a loan to buy a house, then the loan depends on your credit status in the bank and your personal assets, that is, the bigger your entity and the better your relationship with the bank, the more money you can borrow.

There is no maximum limit for commercial loans. The amount of commercial loans can be measured according to the individual's actual situation, such as occupation, income, marriage, personal credit history, etc. The final result still depends on the bank's approval.

The above is a detailed answer about how much personal business loans can be borrowed. I hope it will help you.

How much can a personal business loan buy a house at most?

For example, the maximum proportion of individual first-hand housing loans shall not exceed 80% of the value of the purchased house or the assessed value (the lower of the two options), and the specific proportion shall not exceed laws, regulations and regulatory provisions. The proportion of a single loan should be determined one by one according to the borrower's repayment ability and credit history. Due to different loan types, the loan amount is also different. If there is loan demand, it is recommended to contact local outlets for detailed consultation.

The above contents are for your reference. Please refer to the actual business regulations.

What is the maximum commercial loan for buying a new house?

1. The commercial loan amount for the first suite shall not be higher than 80% of the actual total purchase cost or the appraisal value of the real estate appraisal agency; The amount of commercial loan for the second home is not higher than 70% of the actual total cost or evaluation value. Different banks have different loan quotas, which depends on the requirements of the lending banks.

2. The quota/down payment ratio of China Merchants Bank's general housing loans (including first-hand buildings and second-hand buildings) is as follows: the minimum down payment ratio of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property; (cities that do not implement "purchase restriction" are adjusted to not less than 25%); The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.

1. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

2. Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Residents who buy self-occupied housing in cities and towns in this city apply for commercial housing loans from banks with the purchased property housing (or other guarantee methods recognized by banks) as collateral as a guarantee for repayment of loans.

3. Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller and the loan bank agreed that the real estate guarantee enterprise would provide guarantee to the bank for the residents' house purchase loan.

Source: Baidu knows-commercial loan