1, you have to pay 20% of the house price as a down payment. You can apply for a housing loan from the bank for the rest of the house.
2. At present, bank housing loans can be loaned for up to 30 years.
3. The amount that a bank commercial loan can lend you is determined according to your income and current personal assets. According to the evaluation results, the bank may not be able to lend according to the amount you apply for (for example, if you apply for a loan of 500,000 yuan, the bank may only agree to lend you 400,000 yuan after evaluation, and the difference of 6,543,800 yuan must be raised by yourself and then handed over to the real estate developer).
4. If your personal credit record is good and it is the first time to buy a house, the general bank can use 30% off the benchmark loan interest rate as your loan interest rate. At present, the interest rate for loans over five years is 5.94%, and it is 4. 158% after a 30% discount.
The monthly repayment should not exceed 50% of your monthly income.
6. According to my calculation results on the mortgage calculator of China Merchants Bank (house.cmbchina/) ... fun=de, I borrowed 500,000 yuan, repaid the principal and interest at the annual interest rate of 4. 158% for 20 years (240 months), and the monthly principal and interest totaled 307 1.69 yuan. Calculated by 30 years (360 months), the total principal and interest to be repaid every month is 2,432.84 yuan. More than your current income. It is estimated that if you can't apply for so many loans from the bank, even if you do, you can't afford it with your income of only 2000 yuan per month.
Let's talk about housing provident fund loans. Provisions for provident fund loans vary from place to place. According to the results found on the website of Ningbo Housing Provident Fund (nbgjj/gjj/dkywzn):
1, 30% of the house price must be paid down; The remaining 70% can be loaned to the housing provident fund center.
2 housing provident fund loan period shall not exceed 20 years.
3. The housing provident fund will also evaluate the mortgage amount for you. Its calculation formula is roughly as follows: loanable amount = sum of deposit bases of the borrower and those involved in calculating the loan amount × 40% × 12 months× loan (calculation) period. (The maximum loan amount does not exceed 400,000 yuan: nbgjj/gjj/tzedpu20081225)
According to the information you provided, if you pay the housing provident fund at 8% of your monthly salary, your contribution base (that is, your monthly income) is: 150 yuan /8%= 1875 yuan.
Loan amount = 1875 yuan× 40 %×12 months× 20 years = 180000 yuan.
4. The housing provident fund interest rate is lower than the bank loan interest rate in the same period. At present, the interest rate of loans for more than five years is 3.87%.
5. The monthly repayment amount shall not exceed 60% of the deposit base of housing provident fund at the time of loan application, that is, 1.875 yuan× 60% =1.654.38+0.25 yuan.
6. According to the loan of1.80,000 yuan, and the annual interest rate is 3.87%, you need to repay 1.078.47 yuan every month.
To sum up, if you want to apply for a 500,000 mortgage, it is estimated that it will not be approved; It was really approved through various channels. Press it right away. ......
Question 2: How many commercial loans can a person borrow to buy a house? What is the maximum loan amount? It won't do you any harm to repay the loan on time and not overdue.
As long as you have the repayment ability, you can operate at home. If the bank repossesses the property in case you don't pay, you will be listed as a black account and it will be difficult to get a loan in the future. So be sure to keep the repayment well, otherwise it will have an impact on your credit history in the future. Other effects are gone.
The state will restrict individuals from selling houses, so if there is more than one set, the bank will stipulate that the interest rate will rise and the life will be shortened.
For example, Minsheng loan: the first loan, the loan interest rate fell by 30%; The down payment of the second loan is 40%, and the interest rate rises10%; The third set of down payment is 42%, and the interest rate rises12%; The fourth set of down payment is 44%, and the interest rate rises14%; The fifth set is 46%, and the interest rate rises 16%.
The average bank requires that the monthly income of the loan is twice the monthly repayment amount.
If you want to borrow this loan, you can borrow it twice in the past 20 years and pay back more than 8 thousand a month.
Only when the monthly income is around 1W6 can it be approved by the bank.
Question 3: How much can a person borrow from the bank at most? Look at personal reputation and mortgage, ranging from tens of thousands to millions.
I hope I can help you.
Question 4: With a monthly income of 20,000, what is the maximum amount of bank loans? There is China Merchants Bank in your city. You can try to apply for a loan through China Merchants Bank. For the information such as the execution interest rate, amount, loan term and loan repayment method of your specific loan application, the handling bank needs to specially review your comprehensive information after you apply for a loan, and the loan can only be determined after it is approved.
Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.
Question 5: What is the maximum amount that the real estate license can borrow from the bank for the first time? The only mortgage loan with 80% of the house appraisal amount can now take the house purchase loan with the same interest rate as the house purchase loan, but the benefit fee is about 12000!
Please accept it, thank you!
Question 6: Can I apply for a loan from the bank without any mortgage? What is the maximum loan? You can apply for a loan from the bank without any mortgage. The maximum loan amount depends on the guarantor you are looking for. Generally, you can find a civil servant guarantee. A civil servant can guarantee 1.5 million. 450 thousand if you find three.
Question 7: How much can I borrow from the bank? However, these loan measures have not become the mainstream of the market since their implementation. However, banks are commercial organizations after all, and the first consideration in granting loans is the safety of funds. For the safety of loan funds, the threshold is often raised a little, or stricter. Strict loan evaluation is one of the characteristics of venture loans. Banks generally need three conditions to provide loans to individuals or enterprises: pledge, mortgage and guarantee. The Detailed Rules for Personal Employment Loans issued by GDB stipulates that loans must be mortgaged, and the scope of mortgage includes movable and immovable property mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and guarantor guarantee that meets the requirements. Moreover, the amount of compensation is determined according to the specific guarantee method. It is this kind of mortgage that discourages entrepreneurs. Pledge and mortgage are usually difficult to obtain a loan of 100%, and a large sum of money has to be paid to the guarantee company for guarantee. In addition to stable operating income and the ability to repay the principal and interest of the loan on time, the applicant must also be able to provide mortgage guarantee recognized by the bank. In fact, many individuals and small and medium-sized private enterprises applying for loans generally failed the bank evaluation. The guarantee company is not a lifeline, and the initial loan amount is 50,000. The loan term shall not exceed 3 years at the longest, and the working capital loan shall not exceed 1 year at the longest. The interest rate is based on the benchmark lending rate of the People's Bank of China for the same period, and fluctuates within the range of 65,438+00% (inclusive) to 30% (inclusive) ... Although these conditions are a bit harsh, capital is a shot in the arm for entrepreneurs. It is not difficult to get a loan if you can provide the information stipulated by the bank and provide appropriate mortgage. Generally, funds can be obtained within one month after providing complete relevant information and supporting materials. However, among many proof materials, the proof of collateral, that is, the proof of guarantee, is more difficult. If you have equivalent property as collateral, the problem can be easily solved. But the point is, for entrepreneurs, I'm afraid there is not so expensive collateral. To solve this problem, we can only find a professional guarantee company. But there is no such thing as a free lunch. The guarantee company that provides guarantee for you will not let you go easily, and the guarantee company will charge you a huge guarantee fee, because according to the relevant regulations, the guarantee institution will charge the lender a fee not exceeding 50% of the bank loan interest rate in the same period, which undoubtedly increases the burden on entrepreneurs. In real life, due to the great responsibility of guarantee companies, many companies will charge some risk compensation in other names, which has also become an important factor hindering personal business loans. Not everyone is suitable to take the road of starting a business loan. Some people think that loan financing is not suitable for everyone. We visited relevant experts of Guangdong Development Bank for this purpose. According to experts, they think this view is correct, especially since they have just started a business and have no entrepreneurial experience in this industry, it is inevitable that there will be business risks. For those industries with certain operating experience, good operating efficiency and business scope encouraged by the state, banks may consider giving loan support. Expert advice: for an entrepreneur, if he wants to take the road of loan financing, he should first consider whether the profit of loan operation exceeds the interest expenses and other expenses of bank loans; Whether the loan period of the bank matches the cycle of commercial loan recovery, so that the normal operation of the bank will not be affected when the loan is recovered; Bank loans need to determine an appropriate loan amount. Too big or too small is not conducive to entrepreneurship. In addition, the guarantee cost of the guarantee company should also be included in the operating cost to effectively avoid operating risks. Venture loan refers to the loans provided by banks to individuals in order to support the development of private economy, private enterprises and individual operators, and to help individuals in urgent need of development achieve their goals as soon as possible. The bank's requirements for the loan applicant are (1) at least 18 years old, with legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and with fixed residence or business premises; (2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest; (3) The borrower has certain self-owned funds for investment projects; (4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment; (5) Open a settlement account in the bank, and the operating income will be settled by the bank. The loan applicant shall provide the application materials (1) and the identity documents of the borrower and spouse (including resident identity cards, ......
Question 8: What is the maximum amount of personal loans that banks can borrow now? You can borrow money. Please ask your family to apply for your loan again.
Question 9: What is the biggest discount for buying a house with a commercial loan? There is no upper limit for commercial loans. As long as you have enough repayment ability, the first suite cannot exceed 70% of the total house price.
The maximum amount of commercial loans for individual housing is 70% of the low value between the total purchase price and the housing appraisal price, and the loan amount fluctuates according to different banks' different sets, which is subject to the requirements of the lending bank.
The longest loan period is 30 years, and the borrower is no more than 65 years old for men and 60 years old for women.
The loan interest rate shall be subject to the provisions of the People's Bank of China on the loan interest rate. See personal housing commercial loan interest rate table.
Question 10: What is the maximum personal loan that a bank can lend? A 20-cent loan in a domestic bank can be used for company operation, but it is not necessary to start a business, because repayment is not guaranteed, and even if there is real estate mortgage, it is more difficult to rely on. Some small commercial banks have loans for small and micro industries, but the conditions may be harsh. You can go to the company for detailed inquiries. Private loans have to pay higher interest, but it is relatively easy to obtain conditions. I hope my answer can help you.